davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this CFPB Complaint for you to notify that I am not satisfied with the results on my credit report. I have fulfilled my obligation by bringing these inaccuracies to your attention. According to FCRA Section 605b it was the responsibility of the 3 credit bureaus to correct a portion of the data on my report. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$560.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.XXXX XXXX XXXX Balance Owed : {$330.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. XXXX XXXX Balance Owed : {$0.00} - I insist on an immediate update of the account in question as your bureau 's reporting conflicts with other credit bureaus. Your inaccurate record keeping is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. Please remove this account as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Your current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. 
XXXX XXXX XXXX XXXX XX/XX/XXXX- This inquiry makes absolutely no sense to me, and I don't recall ever making it. Remove it immediately and provide evidence if you think it's mine. Otherwise, delete it now.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I had my identity stolen by two different women, XXXX XXXX and XXXX XXXX in a romance fraud they had my information and without me knowing signed up for a chase sapphire reserve card. They used my social security number personal information in order to buy luxury items and designer brands that were shipped to Chicago and La. They also had physical use of this card and would use it in New York. I have filed an ftc affidavit and police report.
Consumer complaint received 2021-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian wont allow me to submit multiple reasons on why XXXX is illegally requesting debt. 

Experian knows my information. They know I XXXX XXXX XXXX XX/XX/XXXX. They should be familiar with student loans also. 

Therefore, they shouldnt be allowing XXXX or any other student loan services to attempt to collect a debt 3 months before its required to make payments. The promissory note stayed, 2 years after XXXX you begin paying. Afterward you can get forbearance or IBR. Etc. 

They attempted to collect XXXX XXXX  debt XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Then I called them in XXXX and had to get a forbearance. 

At the time, I was going through a lot of other things but now I realize I didnt even need a forbearance yet. They forced me to use it by using experian to report negatively. Experian didnt do their homework on this one and Ive had to suffer for 4 years because of it. 

Experian, do your homework and stop just taking the word of these crooked lenders. Especially XXXX.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance Owed : {$920.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXX Balance Owed : {$280.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX XXXX XXXX Balance Owed : {$420.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXXXXXX Balance Owed : {$2300.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately
Consumer complaint received 2023-03-12
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. (DE)

The following account is inaccurate and is in clear violation of my privacy. Which is a violation of the law. 
This is embarrassing and damaging to my FAMILY AND MY reputation as a consumer. As the consumer, I demand the following accounts BE UPDATED TO be PAID AS AGREED immediately.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

I had to file a dispute with chime due to unauthorized transactions as I was in XXXX XXXX XXXX XXXX XXXX XXXX  due to an ongoing issue with XXXX XXXX XXXX XXXX XXXX, the time my card was charged. I pressed charges on the person who broke in my home and stole my debit card while I was in the hospital. I shared the police report with chime as well as my XXXX papers from the hospital. Chime is requesting medical records and XXXX XXXX that is breaking HIPPA. All I want is my money back they promised for an update by the XXXX XXXX XXXX  and I never heard anything.
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. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Consumer complaint received 2023-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AX1 ) 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 2023-01-04
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. (OK)

It's been over 30 days and credit bureau haven't update information nor has provided proof or documentation in regards of late payments. They have not supplied this information and must delete the alleged late payments off my credit reports. under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX is reporting on my credit report after they said it would be deleted. 

XXXX XXXX  # XXXX I have no knowledge of this account I never lived at several addresses that reporting, Ive disputed them the only reporting should be XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, the only phone number XXXX, the only name is the XXXX on file that shows my mailing address XXXX XXXX XXXX they havent sent documents requested, there are several inaccuracies on the payments, date, amounts, missed payments, no info showing please have them delete ive disputed this several times
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (MO)

I have been tryong to correct my XXXX XXXX from erroneous information and yet the Credit Bureaus have been negligent of their XXXX responsibility. The letter I sent to the Credit Bureaus last XX/XX/XXXX was to follow up any response from the Credit Bureaus after the 30 days of investigation. As I revived my Credit file, I have noticed that the Accounts previously disputed are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been updated or deleted. Here is the list of accounts and information that should be corrected or removed from my Credit File within the time allowed by law : XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed ; {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I requested a student loan refund in the amount of {$10000.00} to EdFinancial on XX/XX/XXXX. I was told by the representative that I would not be receiving confirmation of my request for a refund, nor a notification that my refund has been processed. I have no formal confirmation that my request even occurred. Further, the representative could not provide me with an estimate of when my request would be processed, and when pressed, the representative told me it would be " months. '' I had originally paid my student loan balance in its entirety with XXXX XXXX XXXX XXXX XXXX in or around XX/XX/XXXX. EdFinancial subsequently took over loans being handled by EdFinancial. I asked the EdFinancial representative how I would now manage my newly refunded student loan balance, and was told that they did not know. I am being provided absolutely no information about how this refund process will work, or how to reestablish payments once my balance is restored.
Consumer complaint received 2022-10-29
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-11
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. (IL)

In blatant violation of the Fair Credit Reporting Act, my rights have been infringed upon by this creditor, specifically by reporting the XXXX account onto my credit report. According to 15 U.S.C 1681 Section 602, I am entitled to privacy protection. Furthermore, 15 U.S.C 1681 Section 604 ( a ) Section 2 explicitly stipulates that a consumer reporting agency is prohibited from furnishing an account without my written instruction. Urgency is compounded by the fact that under 15 U.S.C 1666 ( b ), a creditor is expressly forbidden from categorizing a payment on a credit card account, under an open-end consumer credit plan, as late for any purpose. Immediate attention to rectify these violations is imperative.
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OR)

I asked for a refund for my loan paid during Covid. It is still not reflected in my account after calling them in XXXX. I was initially told it would take 4-6 weeks. Now they're telling me 5 plus months.
Consumer complaint received 2022-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have asked for a debt validation multiple times and have never received verification.
Consumer complaint received 2024-03-10
Product: Credit reporting 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. (FL)

I sent you an FTC report on XX/XX/XXXX about these fraudulent inquiries and you refused to remove them which is against the FCRA. If you do not remove these inquiries, I will be seeking an attorney I know my consumer rights and your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 a consumer reporting agency 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. *** I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM XXXX. 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Request to remove gradient account from my Experian credit report. According to fair credit reporting act, any inaccurate information must be removed from credit report. I have not signed contract electronically from XXXX finance. Also address on contract does not match with the address on my identification.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

I have stated that I am a victim of an identity theft, and the alleged fraudulent account that XXXX XXXX is attempting to collect the debt from me is not my account. 
I have submitted a following documents to XXXX XXXX back in XX/XX/2020. Please cease XXXX XXXX attempt to collect the debt is not mine and fraudulent. 
1. PERSONAL IDENTIFICATIONS 2. FTC IDENTITY THEFT REPORT 3. POLICE REPORT 4. FCRA SECTION 609E 5. FCRA SECTION 605b Also, XXXX XXXX failed to provide me with the following documents that I have requested on the date of XX/XX/2020. XXXX XXXX has to validate and verify that the account is mine if XXXX XXXX want to collect any alleged debt. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications A sworn statement from the person who witnessed myself applying for this account Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account
Consumer complaint received 2023-08-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIRST HAWAIIAN, INC. (HI)

I went into the main branch and spoke with XXXX XXXX to open a checking and savings account. 
I was able to open them, but he did not give me any information/documents about the account. When I tried to create my online profile, I was unable to because I didn't have my account number. 
Last week I went back to the main branch to ask about my accounts. I spoke with XXXX and XXXX XXXX ( service manager ). XXXX called and left a voicemail that they reopened the checking account. I was able to create an online profile and see that the savings account is still closed. 

On the day that I opened the account, I spoke with XXXX XXXX XXXX ( personal banking officer ) and XXXX XXXX XXXX ( Asst Service Supervisor III ). They both did not check to see if XXXX XXXX followed company procedure regarding opening a new account. 

I also asked for the manager, XXXX XXXX, who did not come to speak to me concerning my missing driver 's license.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I received an automated call from ( XXXX XXXX XXXX offering to lower my Chase credit card interest rate. When speaking with the person, they asked for my expiration date of the card which I did not give them. Then they began asking what other credit cards I have and said they work for XXXX XXXX also. Then said they dont work exclusively for Chase.
Consumer complaint received 2023-11-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX took back our timeshare in satisfaction of money owed to them in the amount of XXXX. But XXXX transfer our mortgage loan for the said timeshare to a third party financial services which is the Comenity bank. Comenity bank keep bugging us to pay. We wrote to Commenity bank that we do not owe the money anymore as XXXX took the timeshare back in satisfaction of money owed. Comenity bank told us they will investigate and will inform us of the result of the investigation. We never heard from comenity bank. The next thing we know, they turn us over to a collection agency. The collection agency is
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX  bankruptcy has expired and I would like all of the items included in the XXXX  XXXX deleted as well as the XXXX XXXX