davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (TN)

Attached documents prove that TransUnion incorrectly reports an XXXX XXXX XXXX  account as late for the month of XXXX, when payments were made early/on time. XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX XXXX  generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX XXXX  ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX  to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the XXXX XXXX app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-16
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. (PA)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

Once again XXXX XXXX has denied my claim XXXX XXXXXXXX stating that an escalated review was completed but were the document, phone records, analysis i.e anything that will support their claims or finding that these transaction were authorized. They keep speaking of an internal system which is only computer with numbers. Their evidence is only my account/ statement showing the funds has been taking out of the account which is what we know, but they continue to state a claim in which they are denying me my security credits, and I believe no records at exist. This is a willful and intently done to caused me harm and damage. How can XXXX XXXX continue to deny my claim with no evidence and the CFPB continues to do nothing. If there findings are indeed correct than it should be no problem for them to provide Authenticated documents, records, numbers, names, I.e any information supporting that claim but on today XX/XX/2024 I received another packet from XXXX XXXX that contains the Deposit agreement which only proves my point. They fail to show anything thats contradictory to my statement and proof or not only a Breach of contract but also a Breach of Trust as Fiduciary of My Trust they are failing to do whats right for me the Beneficiary and I will not stop until this goes to Federal court and I will subpoena the CFPB for failing to do their job.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Account Name : DEPTEDNELNET Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2023-07-26
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (OH)

This is my follow up request regarding my previous complaints dated XX/XX/XXXX regarding the disputed items in my files. I understand that your schedule may be busy, and I appreciate your time and attention to this matter. As of today, I have not received a response or any updates on the status of my disputed items. I recognize that unforeseen circumstances may arise, and I am certainly understanding of that. However, to ensure we are on track and to address any potential concerns promptly, I am reaching out for an update. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-25
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. (FL)

This is my 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

Around XXXX the Chase app approved credit card even thou I never asked for credit card. and now my score is effected they told me to call the 3 credit bureaus to let them know about fraud and one of them said i need to report here.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I've been trying to remove it for years. They won't prove it. NOw that I'm trying to use my credit to buy a house, car, and get a credit card. During the time when I did have my card, my securities performed but Chase didn't perform. There's no need to be so greedy. They also report my information to early warning services which I NEVER gave them permission ....
Consumer complaint received 2021-04-21
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)

There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX
Consumer complaint received 2023-07-28
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. (SC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX  ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-18
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (ND)

Wells Fargo deposited a check written out to me only into an account without my name on it. My name was forged and was not a third party check. I have filed many disputes with them and they acknowledge wrong doing but are not willing to make things right. 
I filed a complaint with the issuing company but they refused to help in any way also. This happened in XXXXXXXX XXXXXXXX  2020 and my last complaint was just dismissed a couple of months ago. The check was just over XXXX dollars.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, has violated the Federal Trade Commission, Fair Debt Collections Practice Act. 

SS805 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Portfolio Recovery violated my privacy, by sharing debt collection information with my brother, by mail, which I never authorized. My brother is not listed on any of my accounts and is not an authorized user.
Consumer complaint received 2023-12-26
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. (NM)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I sent XXXX, XXXX, Equifax, dispute letters requesting that they fix the errors or delete them because of the information I found on all three consumer reports don't say the same thing and according to the FCRA all reports supposed to be 100 % percent accurate. I showed them the errors that all of the reports showed from the date those accounts were opened, Date of last activity, and closed dates these are just a few. They just sent me a report and didn't correct anything and just said that they were verified. I asked them according to the law 15 U.S.C 1681 ( I ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond but me being consider I gave them 25 days and the only thing I got back from one company was that they didn't think that it was me sending them the letters but a credit repair company. I expressed to all three how this was making it hard on me and my family sense I'm the sole provider from getting a job, house, transportation, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and with companies checking backgrounds and credit it makes it kind of impossible to get a job and this is detrimental to my life and my mental state with all these errors and misinformation on my consumer report I tried to give them the benefit of the doubt and they still won't follow the law i called these companies over and over and to my avail nothing happened. And i know according to FCRA that this is against the law if all of my consumer reports isn't 100 percent accurate
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (TX)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible