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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX XXXX  I called Chase Bank to report a transaction from XXXX that I didn't recognize on my account in the amount of {$610.00} and they opened a claim. XXXX XXXX XXXX XXXX XXXX  and had misplaced my debit and initially assumed it was a fraud transaction. However, when I later spoke to my husband he told me that he had to re-book a flight through XXXX and was charged that amount ( we share an account ). Because I had reported the charge as an unauthorized transaction, on the day of his flight XXXX XXXX XXXX XXXX  ), XXXX required him to make that payment again since the initial was reversed by my bank ( bc of the claim I made ). He made the payment at the XXXX desk counter at the airport ( receipt attached ). As this is happening, Chase still had to resolve the claim I submitted so they reached out to XXXX to confirm that the payment on XX/XX/XXXX was in reference to recovering the loss funds on XXXX XXXX XXXX Instead, Chase has informed me that XXXX said these are two different payments which is not true. On the receipt I've attached, it even lists " loss recovery ''. Chase has now taken that {$610.00} out of my account and essentially I am now being charged TWICE for one transaction. Chase has informed me that I need to resolve this with XXXX and so far I have been unsuccessful in getting anyone to assist me!
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (PA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (AZ)

I have disputed XXXX XXXX XXXX  account they have the police report and identity theft report and has not removed. This debt from my credit report they even sent me an identity theft report I filled it out and faxed back to them
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

I am filing this complaint to JPMCB CARD for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2023-10-10
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. (MO)

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.

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 2018-05-06
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. (AZ)

My XXXX XXXX XXXX XXXX credit card account : XXXX, is lost/stolen. I lost my credit card on XX/XX/2018. There are fraudulent and unauthorized charges on the account that arent mine. I want XXXX XXXX  to immediately close the account, and issue me a new XXXX XXXX  XXXX XXXX credit card account number and card. I did apply for the XXXX XXXX  XXXX XXXX credit card. Every card I have with XXXX XXXX, I did apply for the credit card accounts.
Consumer complaint received 2020-03-30
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. (FL)

Equifax is reporting incorrectly a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years and it has been ( 7 ) years since the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

I have been seeing this account on my credit report and I am not aware of where it came from. I called the company and the birthdate that they have on file is incorrect. The account number shows XXXX. The company refuses to remove the account from my credit report. 

According to 15 U.S. Code 1679c, inaccurate information should be removed from the credit report. The creditor has not been able to verify my correct information.
Consumer complaint received 2023-01-03
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
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. (MO)

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.

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 2021-07-29
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. (PA)

This is a complaint against XXXX  and Experian, not XXXX. I had tried to go through the normal chain of commands by filing a credit report dispute on a closed/paid XXXX credit card that was charged off and is reporting negatively on my credit. After not yielding a justifiable response, I had filed a 609 dispute on XX/XX/2021. As per my understanding, this is a right afforded to me via the Fair Credit Reporting Act under section 609. Upon receiving my results, I was not provided with the documentation requested that validates my ownership and/or history of this account. This prompted me to file a CFPB complaint on XX/XX/2021. I had requested the same information from my original 609 letter dispute. I wanted to be provided with my wet ink signature on the alleged new credit card application, which shall also include my social security number and full legal name, or at the very minimum, what is being used to validate my ownership of this account. Instead, the CFPB was provided with a BALANCE letter from XXXX. This letter was dated two months before I filed a complaint ( XX/XX/2021 ). This balance letter states that my alleged account has a XXXX  balance. It contains no information validating the legitimacy/ownership/derogatory history of this account. This letter was uploaded to the CFPB portal and the complaints against Experian and XXXX  were closed. Had the bureaus verified the documentation provided to them they too would see nothing more than a letter saying I have a zero balance.
Consumer complaint received 2023-10-10
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. (GA)

I attended XXXX and was advised that the school was in the process of losing its accreditation and it wouldnt effect my credit or prohibit me from getting any further loans so that I could continue my education. That is not the case and I have been plaque by this matter for several years,
Consumer complaint received 2023-05-04
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. (GA)

XXXX XXXX XXXX acct # XXXX was opened up in XXXX and still appearing on my consumer report. It has been 9 years since first appeared. 

The first date of delinquency was also in XXXX. XXXX made 7 years since the first date of delinquency. All the consumer reports are hiding and not showing any activity in XXXX or XXXX because if they did, they would see that the first date of delinquency was XXXX instead of showing the first date of delinquency inaccurately reporting XX/XX/XXXX. 

I want this account removed from Consumer reports as I have requested for the past 2 years.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-10-10
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. (SC)

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 items : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-10-10
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: AMERICAN EXPRESS COMPANY (NY)

I was planning a trip to XXXX, XXXX when XXXX and leg problems developed I went to primary doctor on XX/XX/XXXX who gave me meds for pain and inflammation After a week I still was in pain and hardly could walk I went to XXXX XXXX XXXX to see orthopedist My trip was XX/XX/XXXX return XX/XX/XXXX I received a NOT FIT TO FLY from hospital and primary doctor No flying due to ongoing physical Therapy to mid XXXX Attached is NOT FIT TO FLY certificate XXXX was travel platform I bought ticket after asking me to wait and month and then they extended to possible 3 months for airline to respond (! ) This is like COVID days where airlines wanted " long float, interest free loan '' for tickets held
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

Subject : Concerns Regarding My Recent Experience with American Car Center and Westlake Portfolio Dear Sir/Madam, I hope this message finds you well. Approximately two years ago, I made the decision to purchase a vehicle from American Car Center, and throughout this period, I have diligently upheld my financial commitments, ensuring that all payments were made promptly and taking great care of the vehicle in question. 

However, in XX/XX/2023, I was taken aback by the sudden and unanticipated news that American Car Center had filed for bankruptcy. In my earnest efforts to seek clarification and resolve this matter, I attempted to establish contact with the company, only to discover that their phone lines and email channels had become non-operational, presumably due to the closure of their business. 

It was only through a chance encounter on XXXX that I learned of the acquisition of outstanding debts by Westlake Portfolio. Determined to address this issue responsibly, I promptly reached out to Westlake Portfolio to ascertain the status of my account. Regrettably, my initial correspondence yielded no results, as they were unable to locate my information in their records. 

Subsequently, I began receiving calls from Westlake Portfolio asserting that I owed them the original purchase price, an amount exceeding {$25000.00}. In light of this unexpected demand, I took it upon myself to request a copy of my contractual agreement as a means of verifying the validity of this claim. I believe it is only fair and reasonable to request such documentation, particularly considering that I never entered into any contractual agreement with Westlake Portfolio.

To my dismay, Westlake Portfolio failed to fulfill my request for a copy of the contract. Instead, I was shocked to discover that they had initiated the repossession of the vehicle in question. This action is both perplexing and unjustifiable, as I maintain that I do not owe any debt to Westlake Portfolio. 

In light of these circumstances, I feel compelled to express my deep concern and dissatisfaction regarding the handling of my account and the absence of transparency throughout this process. It is my sincere hope that this matter can be resolved promptly and fairly, with the provision of the necessary documentation to validate any claims against me. 

I kindly request that you address this matter with the utmost urgency, as the actions taken by Westlake Portfolio have caused me undue distress and inconvenience. I believe in the importance of a fair and just resolution to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-10
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-31
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX  and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I would like to investigate my mortgage company regarding my escrow account. I call to make a payment back in XXXX for {$150.00} to pay the shortage on my escrow account. The customer service representative process {$130.00}. I saw the charge on my account on XX/XX/XXXX. I call my mortgage company back to speak with a supervisor. I was advise that my mortgage payment was going up from {$430.00} to {$430.00}. They couldn't process the correct payment and the company wouldn't accept the difference. The statement advice starts XX/XX/XXXX the payment amount would go up. The company advises even if I pay the full shortage the payment would still went up even though the escrow bill said otherwise. I also would like to look into the previous escrow year. I had to make XXXX escrow payments last year. I think that it could possibly be a deceptive practice going on with my mortgage company. I have been other mortgage company and I never had this type of experience with company going back on its word in write on mortgage statement.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I CHECKED MY CREDIT 2 WEEKS AGO. THERE WAS A COLLECTION ACCOUNT FROM 3 YEARS AGO ON MY XXXX  AND XXXX   REPORT. I TRIED TO ASK WHY THIS IS ON MY REPORT. THE REP TRIED TO SET UP AN ARRANGEMENT TO PAY. I TOLD HER THIS IS NOT MY ACCOUNT. PLEASE PROVIDE SOME DOCUMENTS FOR THE DEBT. THE DEBT IS {$360.00} WHICH IS NOT MINE. IT HAPPENED AROUND XX/XX/2020.