davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

There are so many issues with Experian and they are all recent and I do n't know why they are appearing on my credit report. I am in the process of applying for a mortgage and have been watching my credit reporting, paying off accounts and making sure my credit reporting is accurate. Most of these issues occurred in the past week and has greatly low my score. 
There is an issue of XXXX of my accounts being paid late in the past two months. All of my accounts have been being paid consistently for the past 6 months or more and have not been late. I have no knowledge to which this is referring to. 
XXXX XXXX XXXX concerning my account is not in dispute and has been paid off and I am in compliance with their terms. I have paperwork to prove it. 
My XXXX charge account ofXXXX has been paid in full and has no deliquency on it at all. It is being reported as a question mark. Needs to be reported paid in full! 
My score has seriously been lowered it the past week and I have no explanation as to why. 

I am applying for a mortgage right now and need to have good scores as I do with XXXX and XXXX. I have no clue why my score keeps going down with Experain. There are no explanations for this. Thank you for your help.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I sent an international wire to XXXX XXXXXXXX XXXX in XXXX XXXX for {$75000.00}. On XX/XX/XXXX, Chase ended the relationship. Meanwhile, the recipient of the wire claims he never received it. On XX/XX/XXXX, Chase claimed that XXXX XXXX refuses to distribute the funds to the recipient for policy procedures and sent the funds back to Chase. On XX/XX/XXXX and XX/XX/XXXX, Chase claimed that they were going to send a check for the {$75000.00} to me. On XX/XX/XXXX, Chase claimed that actually they never had the money that it was still at XXXX XXXX. My recipient claims that he still doesn't have the funds. On XX/XX/XXXX, Chase finalized their decision. Neither myself or the recipient have the funds.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

the problem is that i cant log in to my online profile and i call to see if they can help me to reset my password and they dont want because i dont have a social security number and i explain them that is important for me because i lost my phone and i really want to updated my phone number and email so nobody else can log in but they dont want to help me also i request a debit card because the one that i use to have they just closed it when i never request to close my card and the solution for them is to step on to a branch but at this moment i can go im in mexico and there no way for me to cross
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. They have placed me in their " priority '' department which has no XXXX number so everytime i call, no one in Transunion has access to my credit file because it is handled by a " special department '' which has no number and when they transfer me it goes straight to a voicemail that never gets returned. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. Most recently i filed a dispute with the BBB where i had sent supporting documentation to which Transunion simply read the first sentence of the dispute and responded that my documentation is not sufficient. To be specific i have a letter from XXXX stating that they have instructed Transunion to remove unathorized hard inquiries from my credit report yet Transunion refuses to do so because they state that XXXX has not been specific enough. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. I have been trying to get inaccurate information removed for almost a year and have not gotten anywhere with this credit bureau.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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. (TX)

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

( XXXXXXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 ), ( XXXX XXXX XXXX : Date of inquiry : XX/XX/2022 ), and ( XXXX : Date of inquiry : XX/XX/2022 ) 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 2023-02-18
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. (GA)

Regardless of the multiple written requests, the ACCOUNT listed below is still reporting onmy credit report which is a violation of FCRA. The Experian Bureau failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed toproperly investigate the matter by using a third party as their verification provider and havecontinued reporting the unconfirmed & unverified information. Given all my attempts toaddress it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please removethe account below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-05-22
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: EQUIFAX, INC. (CA)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA, XXXX Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX - XXXX Your agency is in breach of the law ! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-02
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. (IL)

I sent letters to Equifax requesting that they remove XXXX collections from my Credit Report due to the accounts reporting inaccurately. I also sent letters to the Debt Collection Agencies that are reporting the inaccurate accounts. The Debt Collection accounts that I'm referring to are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were no changes or updates made to my Credit Report regarding these accounts. The Debt Collection Companies listed about did not satisfy the Consumer Credit Laws stated in the letters that I sent to the said companies.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (TX)

I pulled up a recent copy of my credit file with XXXX, XXXX and XXXX. I was very surprised at what I encountered. There was an inquiry that I do not recognize. I have never even heard of the company or what they do. I never authorized or gave permission for them to view my credit file. I called the number associated with it and it went to a voicemail, even scarier.
Consumer complaint received 2023-08-22
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I have diligently attempted to work with customer service and the Escrow Department since XXXX of 2023, in an attempt to remedy predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXX XXXX Dollars ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, Twenty-Eight Dollars and Ten Cents ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me and is in a current status. Therefore, I am requesting the following remedies for my pain and suffering : ( 1 ). Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, 028.10 ) ; and ( 2 ) Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ;
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (RI)

Checking acct XXXX came with certain perks including something called a Subscription Rebate program, which I was only able to use once because Citi could not get it working for me until many monts after I opened my account. I closed the acct but this program is still open and I get constant harassing emails about using my funds for it. I have called over and over and emailed many times but all requests are IGNORED. I have an acct XXXX : XXXX XXXX XXXX XXXX XXXX but he is USELESS and also ignores me.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PCR Group (TX)

I have pulled my credit report and  Account Adjustment Bureau is reporting infor  mation  on all  XXXX  major bureaus and is not bonded in the  State  of Texas to collect a debt. I have contacted them in hopes to resolve the issue by removing the negative information from my credit file. They refused and I advised that they are not bonded to do business in Texas. The representative advised they did not need to be and ended the call.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions