davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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. (TN)

I initially opened this account with payment and high balance online I was told I would have a XXXX credit line in which was not true. 
I always paid on time not leaving balance I noticed once I removed the extra feature of product protection and inquired about introduction fee The level of customer service became aggressive and unprofessional. 
After inquiring about introduction fee of over XXXX dollars before card was ever used and the fact that it represented high balance on credit report I was placed into a situation where my account was in fact closed. 
My mother went into a medical emergency I needed to rent vehicle while renting a vehicle using XXXX XXXX through XXXX rental I received an alert stating my credit card had been closed out due to identity theft. In which I had no clue of what what going.

I was told to return vehicle causing me trouble and financial damage because this creditor excercised unlawful action against me and my credit profile.

I had to go through financial rejection and damages to the date.

Card was allegedly reissued to my knowledge I never received another card and did not have any knowledge of charges made because I couldnt place rental charges for vehicle on credit card and balances was indeed paid in full before card went into use and was closed. 
I show a high balance of XXXX dollars in which I did not create because credit card was not available to me for purchase purposes although looking in my records it shows it was closed it says afterwards high balance and charges from original Credit line was suspended with balance paid XXXX thru XX/XX/XXXX THIS A DELIBERATE ATTEMPT at destroying profile after requesting inappropriate fee return. 
My card was not used by me after date for rental car service in which they refused invoice. 
This is redundant and illegal because it reflects negative on report since XXXX until XX/XX/XXXX currently unfair charges on record. 
Back in XXXX spoke with comptroller and corporate representatives but was highly disregarded in my time of grief in which I felt compelled to resign from contact until I could recover from damage done!
Consumer complaint received 2023-10-23
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. (VA)

When I reviewed my credit report, I discovered that the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$7900.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Could you confirm whether FCRA 605B necessitates the removal of any erroneous accounts from my credit report? I believe some of the listed accounts are incorrect. It's making me uncomfortable, so could you please double-check the documents?
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

This company isnt bonded and is an illegal company ( based in XXXX ) that falsely reporting two accounts on my credit reports. 

Please investigate them and have them remove these XXXX  accounts from my report that isnt mines ( XXXX and XXXX )
Consumer complaint received 2024-03-15
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. (MI)

In accordance with the fair credit reporting at the list of accounts below, have my violated federal Protected consumer rights to privacy and confidentiality under 15 US C 1681 these accounts : XXXX XXXX XXXX accounts number :XXXX XXXX XXXX : account number:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 US C 1681 sections 602 states I have a right to privacy and according to 15 USC 1681 EB . They are supposed to ensure this whenever a consumer reporting agency prepare consumer report. It shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom report relates 15 USC 1681C section states no consumer reported agency may make any consumer reporting cons containing any of the following items of information any other advertise items of information, other than records conviction of crimes, which dates the report by more than seven years 15 USC 1681S to a one a a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to be believe that the end information is an accurate
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (OR)

We paid off our loan balance in XXXX and the company still doesn't have our updated balance of XXXX. We have spoken with the company and disputes department, and my wife gave the representatives permission to speak to our bank to retrieve financial information and net credit confirmed that the payment was made. I have proof of this confirmation via email and our previous bank statements. The initial response from a Net Credit representative is located in the attachment " XXXX email - Net Credit XXXX XXXX I have previously disputed this claim with the CFPB and Net Credit has responded with false claims ( located in " Net Credit 's False Claims.png '' attachment ). The company responded to my initial dispute with false claims, which came after I had received email confirmation from a separate Net Credit representative stating that my account was in fact paid in full and that the previous representative named XXXX had been " let go ''. The second email confirmation is located in the attached file named " XXXX XXXX Email - Net Credit XXXX ''. 

The company has responded with false claims pertaining to my submission of the proper documentation that proves the balance was paid in full. I have shared bank statements and a bank representative has spoken with the company to verify that the balance was paid, which is indisputable according to both emails. The company has also falsely claimed that I have been contacted by fraudulent collectors, which is not correct. The email address XXXX belonged to an employee that lost their job at Net Credit. I have been advised that my account will be taken care of. Due to a lack of communication and company oversight, I do not have faith that this will be resolved by the company alone. Given that the company has submitted false claims in their response to my initial CFPB dispute, they are now in violation of Title XII Banks and Banking 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) Subpart B Rules for FDCPA Debt Collectors- 1006.18 False, deceptive, or misleading representations or means - ( d ) False representations or deceptive means. In this section of the United States Code of Federal Regulations it states, A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Given the previous communication with Net Credit 's representatives and the untruthful response to my initial CFPB complaint, it is apparent that my balance was paid in full, it has been verified by Net Credit, and that net credits claim against me is false, and now unlawful according to Title XII.
Consumer complaint received 2023-10-23
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$470.00}
Consumer complaint received 2023-10-23
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-10-23
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (GA)

I was supposed to get my money on the XXXX they won't give it to me cause I don't have a picture ID or birth certificate all my bills are past due fixing to get kicked out of my apartment utilities are getting cut off XXXX XXXX XXXX XXXX  and I'm on XXXX no transportation.help me get my money please thanks alot.direct express is the company
Consumer complaint received 2023-10-23
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened my savings account in Bank of America since XXXX and I have a small amount of savings. I recently asked the Bank of America to set up an online banking account. Through that, I found out that somebody transferred {$1000.00} out of my account on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX, and {$1000.00} on XX/XX/XXXX. They all have been transferred to XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA. Then I called the Bank of America to make a claim. They put back {$1000.00} to my account to fix one transaction and they denied the other {$2000.00}. For the other two transactions, they mailed me a letter saying that I signed a contract agreeing to " report unauthorized transactions to the bank within 60 days of the date on the statement showing the fraudulent item ( s ) ''. I never signed any paper saying that. I feel that it's unfair for me to lose that money.

The Bank of America staff did not make clear to me when I opened my account. It was 27 years ago. I thought that my money would be safe and secure in the Bank of America. I wrote the bank an email about the claim and they did not reply to it.
Consumer complaint received 2023-10-23
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. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (GA)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

This is a Chase Credit Card Complaint I am a senior citizen and have tried reaching out to Chase credit card. 
Chase credit card is continuing to charge me with interest on a merchandise that I have not received. 
Chase has not investigated the charges thoroughly and have resorted to confusing charges on my statements and charging interest. 
Chase has not provided a detailed explanation was provided on WHY credit card charges were valid even if requested. 
Chase has stated that we will not respond to future correspondence from you about it. 
Chronology of events : Redacted XXXX Chase Credit card statement containing bill for $ XXXXdisputed amount is Euro XXXX. Filename : XXXXfirst bill-XXXX Redacted XXXX Chase Credit card Statement containing indicating reversal of charges -- {$1400.00}. 
Filename : XXXX-credit-XXXX XXXXXX/XX/XXXX Chase acknowledgement of Dispute. 
Filename : XXXX Chase Acknowledgement of dispute XX/XX/XXXX Formal written dispute filed as requested by Chase. This include reasons for dispute. 
Filename : XXXX Chase Dispute filed ; Supporting Attachments : Filenames : XXXX XXXX Me Cancel ; XXXX XXXX Not shipped ; XXXX Merchandise still in XXXX ( Note : Credit card was charged, XX/XX/XXXX, even if item had not been shipped ) XX/XX/XXXX Chase Resolution to dispute. Request to reopen XX/XX/XXXX. 
Filename : XXXX Chase Response XX/XX/XXXX Redacted XXXX Statement rebilling {$1400.00}. 
Filename : XXXX-rebill-XXXX XXXXXX/XX/XXXX Chase acknowledge to reopen, XXXX : XXXX Chase Acknowledgement to reopen XX/XX/XXXX Chase resolution to reopened dispute, Chase representative states that no further responses will be made. 
Filename : XXXX Chase Response XX/XX/XXXX Appeal letter to chase to reconsider decisionelectronically filed. 
Filename : XXXX Appeal Letter to Chase XX/XX/XXXX electronically filed Affidavit of non-receipt of merchandise. Note : {$1400.00} includes foreign exchange conversion fee from Euro to Dollar. {$1400.00} is a Euro amount. 
Filename : Affidavit of non-receipt of Merchandise
Consumer complaint received 2023-09-06
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. (MI)

This company is reporting two accounts on my consumer reports. I have never received any information as to what these alleged debts are for. I have never done business with or ever spoken to them about any accounts. I have never received any information about these alleged debts. I have tried to dispute these accounts, yet they come back " verified '' without sending me any information as to how they " verified '' these debts. This inaccurate information on my consumer reports is causing financial damage to me and my family.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Trakk, LLC (SC)

I purchased a vehicle lease from XXXX in XXXX. In XX/XX/XXXX, I was in a motor vehicle accident and the vehicle was totaled out. I did not owe a balance on the vehicle. XXXX has yet to remove this from my credit.
Consumer complaint received 2023-10-23
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. (CA)

Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since XXXX.
Consumer complaint received 2023-10-23
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. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-10-23
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
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. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-03-18
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: I.C. System, Inc. (IN)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX