davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Under FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY, I have the right to verify that the credit reporting agencies have correctly verified my identity to these accounts on my credit report AFTER I have already disputed these accounts with wrong names, addresses, and accounts I NEVER gave consent to obtain and have on my credit. I have asked and submitted online request to all 3 major credit reporting agencies, they stated that it was verified without any proof or correspondence to notify me properly. I have requested that these names and accounts be removed immediately for knowingly/ unknowingly to continue to report false or innaccurate information on my credit report. 

Below are a list of aliases, accounts, and addresses that I have disputed and have no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 ( sat ) I went into my bank and deposited a check into my account for {$8400.00} the cashier told me that my funds will be available on the XXXX ( XXXX  ) and they were not I had a alert stating that there was a hold on my deposit and that I needed to contact the person that cut the check I contacted the person that cut the check on XX/XX/XXXX and told them everything that was going on they stated to me that they cleared the check yesterday on XX/XX/XXXX and that my funds should be available today that I need to contact my bank I contacted my bank and let them know that I spoke with the person that cut the check and this is what I was told my bank is trying to tell me that I have to wait almost XXXX weeks for my money to be available to me. Also I'm not understanding why it states that my check was deposited on the XXXX of XXXX when I went in on the XXXX which was XXXX  and deposited my check
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I purchased a new XXXX XXXX XXXX XXXX  Directly from XXXX, financed through XXXX XXXX. In addition to financing, there was a recurring monthly cost of {$13.00} for XXXX XXXX ( Phone Insurance ) Fast forward to XX/XX/XXXX, I use my XXXX XXXX XXXX  as a trade in for the New XXXX XXXX XXXX. This time, I financed it on my credit card. I sent the trade in device by end of XXXX. 

In XXXX, I started noticing charges for XXXX XXXX on both my Credit Card and XXXX. Giving benefit of the doubt that there was some lag for the system to catch up that I no longer owned the XXXX  XXXX. I paid for these extra charges for 3 additional months. 

Why would XXXX and XXXX still be charging me for insurance on a phone that they know I wouldn't have any more? 

By XXXX, I finally contacted XXXX support and spoke with a representative that agreed this was a bug in the their system. He said he will communicate with XXXX and refund me for the additional months paid. I paid off the account in full, and my open balance is now {$0.00}. 

XXXX XXXX continued to invoice for the months of XXXX and XXXX. I didn't make these payments, because I didn't have to. 3 months have already passed in which I no longer have this phone in my possession. Late charges started to take place, and XXXX collections started calling. I detailed the issue with XXXX Collections Representative over the phone when they would call and I would explained that XXXX has spoken to them and that this account should be closed and no payment is required. 

In XXXX of XXXX, I was looking to buy a home and started the mortgage prior approval process. This is when I noticed that my credit score has been significantly impacted. I went from a XXXX down to XXXX, mostly due to my profile showing 90 day delinquent on payment by XXXX & XXXX XXXX. This is more than a 15 % decrease, and I no longer looked good to my potential lenders. 

In XXXX I emailed the CEO 's office at XXXX to explain the issue. The representative was able to summarize the issue and provide evidence so that I can dispute it through the Credit Reporting Agencies. 

On XXXX I created a dispute through XXXX, XXXX, and Transunion. I provided all the information and evidence. 

In XXXX, just after a month of creating the dispute, Transunion is the only agency to have responded. The letter basically states that they have investigated, and no changes have been made. 

They mention the next steps is to reach out to consumer finance, which I am writing to you today. 

Attached are documents that prove my case. I was not delinquent in payment, and have worked very hard to grow my credit report. 

I do not know what else to do. 

Please let me know if you need anymore more information Thank you
Consumer complaint received 2023-09-21
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. (LA)

I recently reviewed a copy of my credit report. I was shocked to learn I am victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account as soon as possible.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

I have been a CHASE XXXX Credit Card Customer since XXXX. 

This credit card features one free night every night of hotel stay at any of the XXXX XXXX  chains worldwide. Chase in-turn charges {$59.00} annual fee every year for this card.

And, the free night reward is called CHASE Free night reward. 

I have been getting rewarded consistently every anniversary year a month after annual fee getting charged to me ( Usually in XXXX every year ). 

But, lately, I have not been rewarded CHASE Free night for the year XXXX even though CHASE charged me annual fee for the card in XX/XX/XXXX. 

I have raised a complaint both with CHASE and XXXX but they both blaming each other for this situation and as a consumer I am getting impacted for not getting rewarded for CHASE free night reward. 

The card is provided to me by CHASE and the financial institution has the liability to fulfill all the terms and conditions that were agreed upon at the time of filing the credit card application in XXXX else this should be considered as CHASE following malpractices. 

The last time CHASE free night got rewarded to me was in XX/XX/XXXX and since then there has been no CHASE free night rewarded to my account. 

CHASE should return annual fee of {$59.00} charged to me in XX/XX/XXXX if they are not fulfilling the agreement of CHASE free night for the year XXXX.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IN)

Goldman Sach 's is stating that they never received the payment on the credit card which is more than enough to pay off the balance.

I am not able to get this resolved.

I have enclosed proof of the cancelled check.

Thank You! 

XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sir, all three credit bureaus ( XXXX, XXXX, and Transunion ) have still not updated my credit reports with accurate information I had mailed to them months ago. 

The XXXX XXXX - My spouse and I have notified all three bureaus months ago that I am no longer an authorized user, but it still shows that I am. This is my wife 's account. Please see attached documents A and urgently request that that information is removed asap. 

The XXXX XXXX XXXX- the remaining debt of {$740.00}. needs to be removed from all three credit bureaus. The account was settled. XXXX took over the debt of $ XXXX ago and hired XXXX XXXX XXXX XXXX. XXXX XXXX sent me a settlement agreement that if I make a one-time payment of {$500.00}. the remaining balance of {$740.00} would be waived or settled. See Doc. B. I made the payment, but the information still shows on my credit reports.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance with the Fair Credit Reporting act : Trnaunion misused and disclosed personal information to these companies without authorization. When I contacted XXXX, they advised me to contact all the companies. Their response is an unfair practice to not investigate. As called the all these companies they asked me for all my personal information which they did not provide. 
XXXX violated the following. 
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 written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time with payments, and they are reporting inaccurately.
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % accurate. Copies of every letter sent are attached below.
Consumer complaint received 2023-02-02
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. (TX)

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 U S DEPT OF EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ; 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$8100.00}
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$20000.00} XX/XX/XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting. 

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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-06-20
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: R.A.Rogers, Inc. (MD)

In accordance With The Fair Credit Reporting Act XXXX R A Rogers inc account # 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 written instructions.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a dispute by certified mail disputing Midland Credit Management , Inc. claim and requested a validation of their claim on XX/XX/XXXX. I then sent a failure to respond notice 33 day after on XX/XX/XXXXXXXX  and as of XX/XX/XXXX theres still no response and they are still reporting this erroneous item on my credit report.
Consumer complaint received 2023-12-26
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. (IA)

Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-10-29
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: CLGF Holdco 1, LLC (NJ)

I have several inquiries on my report from companies, I didnt authorize. 

XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Ive reached out multiple times no resolution was provided.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX