davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

UNFAIR AND UN-ACCURATE CREDIT REPORTING HAS LED TO MANY CREDIT DENIALS AFTER I APPLIED USING MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED CREDIT.
Consumer complaint received 2023-06-29
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. (OH)

I desputed this XXXX account XXXX and its still reporting inaccurate information and violating my rights under the fair credit reporting act. 1.Date opened is inaccurate. 2. High credit is inaccurate. 3. Last reported is inaccurate 4.Date last active is inaccurate 5. Date last payment is inaccurate 6. two year payment history is inaccurate. and my rights violated under 15 U.S. Code 1681a-Definitions ; rules of construction ( 2. ) Exclusions-Except as provided in paragraph ( 3 ), the term " Consumer report '' does not include- ( A ) subject to section 1681s-3 of this titile, any - ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 15 U.S. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) reporting information with actual knowledge of errors.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 with out my written instructions 15 U.S.C. 1681c ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 yrs.
Consumer complaint received 2023-07-27
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. (IN)

in review of my credit file i see two recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) XXXX XXXX  XXXX XX/XX/2023 I would like these two inquires removed.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

I paid {$30.00} on to XXXX XXXX  credit card. Approx XXXX or XXXX XXXX. I saw reversal return to my Chase account. XXXX of {$30.00}. I never told Chase not to pay this. I called XXXX XXXX, they said Chase revoked my payment. My funds were more than sufficient to pay this bill. XXXX then charged me a {$30.00} added fee for payment returned, and added {$9.00} late fee. Chase refused to acknowledge they made a mistake. Chase is responsible to refund me my {$30.00} extra fee. I paid the {$27.00} AND {$30.00} FEE TO XXXX XXXX. On XX/XX/2023. Chase owes me the return fee of {$30.00}. I have spent 2 days, on phone to numerous Chase departments. No help whatsoever. I have filed several complaints to claims AND customer service. Again, no help or resolution or return phone calls, which I requested.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (IN)

Credit karma promised me money if i got denied for any credit card that i could've qualified for. Never got the money but they have all my information. Now I'm getting all kinds of spam mail I've never received before that's happening now. There were hard inquiries made on my account through them because of this.
Consumer complaint received 2023-06-02
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. (FL)

This is my XXXX 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 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
Consumer complaint received 2023-03-02
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts and inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-06-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-02
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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. (CA)

There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2022-11-29
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. (NJ)

XX/XX/XXXX company XXXX XXXX do by XXXX XXXX Dispute collections {$2700.00} called XXXX XXXX explaining i never had such account. ask for proof and factors of establishment in my name, ss, dob, address and exct...

Dispute for clover commercial this account is collections {$5700.00} for auto loan I volunteer this vehicle because of financial difficulties clover sent and balance of {$3000.00} after vehicle was sold at auction. I've called clover commercial several times asking of balance difference and why the account still open and says current on payments now 120 day late payments. 

I have extended fraud alert since XXXX and all credit boroughs are frozen I've been working hard and diligently on approving my credit report and score. I should not have inquiries, collections or closed accounts on my credit report. There should only be ( 1 ) child support account, ( 2 ) school loans, ( 3 ) credit card accounts navy Federal credit union and premier bank which this account is closed ( 1 ) trade line credit strong.. 

I Appreciate your time and I thank you in advanced for helping in resolving this situation. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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. (CA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (AR)

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 1 5 USC 1681. 

XXXX. XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Closed XXXX Closed Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.
Consumer complaint received 2023-08-12
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. (VA)

I sent a letter last XX/XX/2023 to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$950.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (MI)

I am submitting a complaint due to unauthorized inquiries on my Experian credit report. according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows XXXX inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. It's a defamation to my character and livelihood.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Account blocked without reason or previous notice Date : XXXX Account : XXXX Card Number : XXXX Case Number : XXXX After making 5 XXXX transfers from my own accounts : # XXXX # XXXX # XXXX  # XXXX # XXXX My Citibank account was closed without any reason and I can not access my account anymore it says that my account is inactive now. 
They have not responded to any of my calls or other communication other than the email attached with my case number. 
I need my money now, and I would like to regain access to my account.
Consumer complaint received 2023-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

According to the statute regarding ID theft victims having information blocked from their reports, the statute requires the CRA 's to block the information within 4 business days, it's been longer than 4 business days!!
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (SC)

I XXXX XXXX am a victim of identity theft and fraud. Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MN)

In XXXX of XXXX I suddenly started getting billing statements from University Accounting Services. This is in regard to a loan I took out from XXXX XXXX XXXX ( a now defunct company ) in XXXX. 

I had last paid on the account in XXXX of XXXX. I had heard nothing from XXXX XXXX XXXX or any of the subsequent owners or servicers of this debt until now in terms of debt collection. 

The attempts by University Accounting Service violate Minnesota debt collection law as the statute of limitations to collect on this loan was under Minnesota law 6 years from the date of last payment or XX/XX/XXXX as the last payment made by me on the account was on XX/XX/XXXX. 

During the near decade since they had last communicated with me, I have lived at the address I had in XXXX as well as two subsequent addresses including my current address that I have resided at for four years. These addresses are in three different counties within the State of Minnesota.
Consumer complaint received 2023-06-02
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. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX / AMOUNT XXXX XXXX  DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX  DATE XX/XX/XXXX AMOUNT XXXXXXXX XXXX XXXX XXXX  DATE XX/XX/XXXX AMOUNT XXXX
Consumer complaint received 2023-06-02
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. (NY)

I called your department after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!