davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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: Premium Credit Bureau (NJ)

I never gave written consent for these companies to have access to report anything without my consent which is a violation of my consumer laws 15 usc 1681e ( a ) ( b ) and violation of 15 usc 1681c LIST OF FALSE INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-16
Product: Credit card or prepaid 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. (WI)

I was scammed by XXXX when I ordered a sample of their product ; instead they charged my account {$87.00}. I called Chase right away and told them it was fraud, explained I ordered a sample and was only to be charged a small mailing fee. They canceled my card and sent me a new one ; however, they re-charged my account {$87.00}. When I called them again to explain this is fraud as I didn't order anything except a sample and shouldn't be charged, they would not assist me. They will not reverse this charge. When I called Chase I also called XXXX  and canceled any account they say I might have ; when I called them today, they said " you lost, good luck '' I feel scammed twice over ; once by XXXX and then by Chase. I do have a letter from Chase dated XX/XX/18 charging me again for the {$87.00}. I also still have the box the XXXX came in.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (MO)

Loan taken online XX/XX/2017. Began making bi weekly payments. I requested a lower interest rate as the rate they were charging was 36 % roughly. They refused to work with me. I began working with XXXX XXXX XXXX  who negotiated a lower payment. When I began making the agreed upon payment XXXX XXXX or XXXX  XXXX began reporting me late with a large past due balance. I was told by net credit i had to pay an XXXX dollar past due amount in order to make the account current. I paid that amount ... it was all applied to interest and they still reported me 90 days late ... .I have now paid them in full so the account will be closed and they are still reporting a balance owed.
Consumer complaint received 2023-07-23
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: Bread Financial Holdings, Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND XXXX FRAUDULENT ACCOUNT IS STILL ON MY REPORT! 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance $ 571 Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX XXXX number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, 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. (IL)

there are unauthorized inquiries reporting to my credit account that i do not recognize nor have i given permission to pull my credit file. these companies have violated my rights as a consumeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has a charge off showing on my credit file on my XXXX XXXX account and there was no charge off Equifax had an outstanding amount showing now its a charge off showing and there was no charge off by XXXX XXXX I have provided a letter from XXXX XXXX once again its like Equifax wants to delete or update things one step by one step. I 'm also filing a FTC complaint to Equifax issues and wrong information.
Consumer complaint received 2024-04-11
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. (CA)

Upon examining my credit report, I identified inaccuracies in certain information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the Equifax and XXXX credit bureaus to authenticate these accounts. Failing to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. The following accounts listed on my credit report require investigation and correction due to their erroneous reporting. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I contacted both Equifax and XXXX in XX/XX/2018 to explain that Im a victim of identity theft. They continue to report this fraudulent information on my credit file despite my numerous attempts to have this issue resolved. On XX/XX/2018 i received a letter from XXXX stating that these fraudulent accounts are mine. Again, they are not mine they are fraudulent. I have not opened these accounts and i didnt authorize the opening of these accounts. I would like both Equifax and XXXX to provide proof which supports their claim that these accounts are mine.
Consumer complaint received 2023-10-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Bank used my Social security for verification to open a CD & now I was notified that my XXXX was found in the dark web. Chase Bank ( Branch : XXXX, NY ) initially transferred money from my checking account to the CD but they did not do the transfer right so the money went missing as per bank staff & later found in their " unused funds '', they tried to correct it after I made a complaint although initially bank manager did not do anything to correct this. So this has occurred after talking to several people in the bank 's complaint department so my Social security was used.
Consumer complaint received 2018-08-16
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. (TX)

The following accounts/items do not belong to me. Please delete immediately. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX this account is not mine. Action Requested : Please  Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX account is not mine. Action Requested : Please delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report.
Consumer complaint received 2018-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (NC)

I received a notice from XXXX XXXX XXXX XX/XX/2016 ( XXXX ). The charge says it was from XXXX XXXX XXXX. I called XXXX and told them I was unaware of any bill and if it was a result of a recent ER visit. My insurance paid all of that. 

XXXX XXXX was very rude and would not give me phone information nor address of XXXX XXXX XXXX. I tried my best to search them down. There is not a listing for them in the XXXX, TN or anywhere on the internet. I contacted the ER, the ER doctors and all bills have been paid. They never heard of XXXX XXXX XXXX. 

This collection agency is a fraud. I have seen other posts where they have done the same thing to others. I have tried to dispute the charge on XXXX but they responded with the charge was verified by XXXX. Well of course it is because they are the ones that filed the complaint to begin with. 

This is VERY WRONG. If there was a charge, I offered to give them my insurance info so they could be sure if the bill was indeed verifiable, they could file lthe claim with my insurance company. 

Please help. This is very frustrating. I have tried to keep a good credit. Paid off my car loan and am current on my student loan. I my XXXX bill on time.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Nationstar Mortgage LLC wrongfully continued charging MIP at approximately {$1000.00} per year after my termination date, when mortgage was scheduled to reach 78 percent of original value of property. By law, MIP should have automatically terminated not later than the termination date.12 USC 4902 ( b ) ( 1 ). I was never in default under this mortgage. Upon inquiry about terminating MIP, Nationstar responded that the " LTV must be equal to or less than 80 % '' and that I did not meet requirement to cancel mortgage insurance, stating : " In reviewing our records you do not meet these requirements, as of the date of this letter your loan to value is 77.3 % ''. Apparently, Nationstar Mortgage mistakenly believes the LTV has to be " above '' 80 %, and that I somehow had to get " up to '' 80 % LTV from the admitted existing 77.3 % LTV- which, of course, is nonsense even if the 80 % LTV were the applicable measure. In fact, the applicable standard I was addressing was the automatic termination date.12 USC 4902 ( b ) ( 1 ). Nationstar continued to wrongfully charge MIP until I closed on the sale of my home on XX/XX/2016 and paid off the mortgage in full. The mortgaged property was my principal residence throughout the term of the loan.
Consumer complaint received 2023-09-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX In assurance with the fair credit act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-11
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 that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2018-08-16
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: Navient Solutions, LLC. (IL)

I contacted both XXXX and Navient in XX/XX/2018 to explain that Im a victim of identity theft. They continue to report this fraudulent information on my credit file despite my numerous attempts to have this issue resolved. On XX/XX/2018 i received a letter from Navient stating that these fraudulent accounts are mine. Again, they are not mine they are fraudulent. I have not opened these accounts and i didnt authorize the opening of these accounts. I would like both XXXX  and Navient to provide proof which supports their claim that these accounts are mine.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2023-11-22
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-19
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. (GA)

I am writing to you because I am concerned about the accuracy and honesty od credit bureau 's data According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.
Consumer complaint received 2023-04-26
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. (UT)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries 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