davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (PA)

On XX/XX/XXXX, I received a copy of my First Advantage consumer report that was furnished to XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for employment screening purposes. The report included educational history verification and incorrectly states that I did not graduate from XXXX XXXX  XXXX University. 

To show that I graduated from XXXX XXXX  XXXX University with a XXXX XXXX XXXX ( XXXX ) in XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX, I provided First Advantage with a copy of my university transcript. 

Additionally, the university provides free online degree verification through the registrar. I provided the URL to this service as well as the key that would allow First Advantage to electronically verify my credentials. 

On XX/XX/XXXX, First Advantage denied my dispute, writing that [ we ] have completed our reinvestigation of the disputed information and have verified that the original information provided on the background report was reported accurately. Therefore, no change has been made to the background report originally produced. Additionally, the letter sent to the wrong address. 

The outcome of First Advantages reinvestigation of my dispute is clearly erroneous. A cursory examination of the documents I provided would prove that my claims of possessing a bachelors degree are correct. First Advantages failure to correct the information on my background report is a per se violation of the Fair Credit Reporting Act. 

Additionally, First Advantage addressed my letter to the state of Mississippi, even though I have never lived in Mississippi. 

On XX/XX/XXXX, I wrote First Advantage a demand letter requiring that First Advantage correct my report, inform XXXX XXXX  XXXX of the dispute, add a personal statement to my background check report, provide me with a description of the procedure used to investigate my dispute, and provide me with an updated copy of my background report. 

Also on XX/XX/XXXX, I received an email from the XXXX XXXX XXXX, the data furnisher that First Advantage used for my erroneous educational history verification. XXXX  XXXX XXXX XXXX confirmed that the information provided to First Advantage was erroneous and notified First Advantage to place a new request to see the corrected data. 

As of XX/XX/XXXX, I have not received any correspondence from First Advantage, in violation of the time limit required by law.
Consumer complaint received 2018-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MO)

I purchased a new XXXX with financing through XXXX XXXX XXXX ( JPMorgan Chase Bank, N.A. ). Unfortunately, Im unable to interact with Chase as they have incorrect information on file and are unable to verify my identity. They do not recognize any of the information I provided on the loan application, nor the information on the bill THEY sent me. Ive made multiple phone calls and have asked to speak with a manager multiple times ; however, after spending 1-2 hours on hold never reached anyone willing to assist me. All Im looking for is the ability to pay my bill.
Consumer complaint received 2018-12-05
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. (ID)

Accounts XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX  to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2022-09-22
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I sent a letter on XX/XX/XXXX and was sent to Experian credit bureau to remove the account that is 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 account or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. 

XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00}
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (OH)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There is an account that is reported wrong on a dollar amount I see 3 accounts that does not belong to me.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

This is my several endeavors 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, remove 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, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$3900.00} XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-27
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. (FL)

In according with the fair Credit Reporting Act XXXX  Account # XXXX, NAME : 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 furbish an account without my written instructions.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

paid XXXX dollars down payment for a home through XXXXXXXX XXXX  XXXX XXXX and vanderbilt mortgage. found out i could not get the home. asked for a refund and they keep giving me the run around saying it is corporate 's fault.
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. (IL)

I paid my car note off successfully and Experian will not remove this off of my credit report. It should be paid, closed and removed off of my account. I created a dispute and they advised it is to remain which doesnt make any sense. Can you please look into expediting and having them remove this off of the account?
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The address that is reported is incorrect from the one that should be .. ( XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ) is what it should say. Not ( XXXX XXXX
Consumer complaint received 2022-12-09
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. (NY)

Experian is reporting inaccurate personal information that does not belong to me with included inaccurate names and inaccurate addresses. There are unauthorized hard and soft inquiries that I did not give consent or permission to and that I am totally unaware of. And they are reporting transactions and experiences on an account that is to be excluded from my consumer report. This has paused me to be declined credit and ruining my reputation and defaming my character.
Consumer complaint received 2023-02-10
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: CBC Companies, Inc. (KY)

When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (PA)

when disputes were made throughout the year of 2023 the company refused to do full investigations in to disputes. if disputes were handled properly i would have won the case which was opened 4 TIMES. Every time they closed the case without speaking to me or the company that refused my refund and caused over {$1000.00} in overdraft fees. These fees would be for items between XXXX dollars at {$35.00} each. On top of this TD bank was charging me XXXX a month for a simple checking account fee when i was supposed to be paying {$15.00} or less. This action also caused overdraft fees. This is a scam and I will take them to small claims court beause i work hard for my money. Everytime i tried toget the over draft fees returned back to me they would refuse. even after speaking with a XXXX they would only refund 2 fee 's out of 10!
Consumer complaint received 2022-12-09
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. (MD)

I contacted the credit bureau and explained that I was concerned that information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that 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.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-02-15
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-25
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX, and XXXX XXXX XXXX XXXX have 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.
Consumer complaint received 2023-04-19
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (MS)

My initial card expired in XX/XX/2021. I never received a replacement. I have called Indigo no less than XXXX times and requested a replacement card. Verified my address every time. Never received the card. Paid my balance off to {$0.00}. Now, they have charged me a yearly usage fee of {$90.00} and are demanding I pay on it. I have not had a card I can use in over a year.
Consumer complaint received 2023-08-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed XXXX  XXXX of XXXX. After it XXXX, there was a reporting of a loan that was included in the XXXX. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in XXXX, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed XXXX for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX XXXX AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.
Consumer complaint received 2021-06-21
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)

I, XXXX XXXX, natural person/consumer/original creditor, noticed fraudulent accounts on my consumer reports in XX/XX/2021. The fraudulent and erroneous accounts prompted me to file a Identity theft report with the Federal Trade Commission in XX/XX/2021, which was mailed or faxed into Experian, XXXX, and XXXX. XXXX  received my report on XX/XX/2021, Experian received on XX/XX/2021, and XXXX  received on XX/XX/2021. Pursuant to 15 usc 1681c-2 the consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. The CRAs did not block the information and are in direct violation of my consumer rights! My reputation has been ruined with the banks and these companies are also in violation of 15 usc 1692j because they are furnishing false information. I intend on litigating give that these companies are both criminally and civilly liable pursuant to 15 usc 1692k and 15 usc 1611 for willful and knowing violation
Consumer complaint received 2022-12-09
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. (GA)

RE : Account with XXXX XXXX XXXX listed on my credit report. 
TransUnion maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX. While the burden of proof lies with XXXX XXXX & TransUnion, I have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor TransUnion has provided rebuttal. If TransUnion maintains that my Affadavit of Fact & Identity Theft report are fraudulent I have attached an Affadavit of Fact in rebuttal for TransUnion to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.