davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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 my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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, has violated my rights 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
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have unauthorized credit inquiries on my account. they are below. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belongs to me legally.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I contacted Chase to dispute a charge. I paid the merchant on XX/XX/XXXX for a future service that would not take place until XX/XX/XXXX. At that time I realized that the merchant overcharged me. When I opened the dispute on XX/XX/XXXX the representative ( Im sure call was recorded ) was adamant that I only had 115 days to submit claim from the date of the charge. I submitted it in the advised time frame. Later on XX/XX/XXXX my claim was abruptly closed by Chase. On XX/XX/XXXX I was advised by the rep in the claims department that I only had 60days! Im now filing a complaint against Chase because I was misled by their representatives and its obvious that I was not told 60 days on XX/XX/XXXX or the representative would have never opened my claim at that time. As a result of Chase inconsistencies this has caused me to lose the opportunity of recovering the {$300.00} that I was overcharged. I have been a loyal Chase credit card holder since XX/XX/XXXX.
Consumer complaint received 2022-11-18
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. (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 appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belongs to me legally.
Consumer complaint received 2023-02-13
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 my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
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. (IN)

I have attempted repeatedly to have XXXX XXXX XXXX report my mortgage payments to the credit bureaus by filing disputes. My mortgage is current and the payments have been timely the past 6 months, however, they are not showing the account as open, but closed and have not reported any payments whatsoever. This is crucial to my ability to improve my credit score which is also detrimental to acquiring work, credit and refinancing to name a few. I simply want them to report my payments to the three main credit bureaus : XXXX, XXXX and Equifax so that they have a record of my payments and show my account as open not closed.
Consumer complaint received 2023-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NY)

This all started XXXX or XXXX  years ago when I went to the XXXX XXXX XXXX XXXX XXXX XXXX I settled with the XXXX  through my insurance and credit card payment. For some reason the XXXX  gave this to a collection company and they have been trying to collect {$52.00} over this time. I have written numerous emails and complaints stating this is a false collection claim. The collection company continues to post this claim to credit agencies which show on my report. This company has many names and affiliates to keep reposting after the credit reporting agencies find my claims to be true. The debt company is listed below. 

Account Balance {$52.00} Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IN, XXXX Creditor Name PHOENIX FINANCIAL SERVIC Industry Type Other Collection Agencies
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stephen L. Bruce, P.C. (OK)

My Mother-in-law passed in XXXX. She left my wife her childhood home. The company renewed the lien for a XXXX XXXX  balance of a XXXX XXXX XXXX XXXX XXXX XXXX. We contacted the debtor and they refused to talk or work with us as they knew the house was being sold. They told my wife that they do not negotiate on real estate properties period. We were charged over XXXX XXXX for the deceased partys debt that had nothing to do with us.
Consumer complaint received 2024-03-01
Product: Credit reporting 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)

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian concerning the inaccurate reporting of negative claims on my consumer credit profile. I have serious concerns about the validity and accuracy of certain claims and believe that Experian has failed to comply with essential reporting procedures. 

On XX/XX/2024, I sent a Procedural Request letter to Experian, providing details on the procedures used to determine the validity of the bankruptcy reporting on my credit report. The tracking number for the delivery confirmation is XXXX. 

As per FCRA Section 61, paragraph ( 6 ) ( b ) ( iii ), Experian is legally required to provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of receiving a consumer 's request. Today marks the 23rd day, and I have not yet received the requested information. 

I hereby request proof of compliance by providing the tracking number of the response to my letter or immediate removal of the bankruptcy reporting on my credit profile due to failure to provide the requested information. XXXX or XXXX XXXX is not the original furnisher of this erroneous information, and since the court does not report bankruptcies to credit bureaus nor verify information with secondary collectors, the information must be validated and deleted. 

Enclosed are copies of the letter I sent to Experian and a letter from the court stating their non-reporting policy. 

I respectfully request the following actions from the Consumer Financial Protection Bureau : 1. Immediate removal of any unproven or inadequately reported negative claims from Experian 's records and cessation of future reporting until compliance with reporting standards is demonstrated.

2. A comprehensive review of Experian 's reporting practices to ensure conformity with federally defined timeliness, accuracy, and completeness standards.

I trust that the Consumer Financial Protection Bureau will address this matter promptly and diligently to safeguard my consumer rights. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history.

Thank you for your assistance.
Consumer complaint received 2021-07-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (WA)

Galt Ventures / Speedycash Garnished my check today XX/XX/XXXX for a debt discharged in chapter XXXX Bankruptcy. 

The debt is for {$840.00} and they garnished my check for {$480.00} Certificate of notice by the XXXX District of Washington was sent to the creditor on XX/XX/XXXX. 

I have contacted XXXX  as well as the Law Office handling the garnishment last week as well as today. XXXX  is refusing to help and the law office, XXXX XXXX XXXX, notified me via phone on XX/XX/XXXX that they acknowledged the bankruptcy and would stop the garnishment. That has yet to happen
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My name is falsely reported. My name is not XXXX XXXX XXXX XXXX! My Name is XXXX XXXX XXXX and needs to be corrected immediately as you are making it easy for someone to commit fraud. Numerous hard inquiries have been falsely reported on my credit report. I have suffered from defamation of character in attempt to obtain credit and maintain life as well as my business. After numerous attempts to get remedy and have the false reporting removed the company has failed to comply. This has become very stressful for me and my family as I don't even have knowledge of the things listed on my report, preventing me from obtaining credit and resources for my family and business. I have faced damages and missed out on opportunities due to false and negative reporting on my credit report. 15 USC 1681N ( A ) states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. whichever is greater. Also, 15 USC 1681b states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates ; which i DID NOT give your company at any time as i have no knowledge of the things reported. The hard inquiries below have been falsely reported and I am ready for litigation, I want them removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a false inquiry, my account was opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is false my account was opened XXXX
Consumer complaint received 2015-12-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (NY)

Dear XXXX XXXX ( CEO of Ally Bank ), If you happen to read this comment, I want you to know that your customer service/retention is awful. My husband and I over nighted several checks written and signed to both of us and instead of depositing them into my account, a representative of your company gave us the run around and ultimately referred to your companies policy to deny a deposit for any reason. XXXX, what is the point of having an online bank if I also have to have an account with a brick and mortar bank to have checks deposited? I now have to wait on snail mail ( during the busy holiday season ) to receive our checks back and then open a brick and mortar bank account just to receive OUR money from these checks. As soon as it is possible for our family, we will be withdrawing our money and direct deposits from your bank and closing our account as you clearly are not a customer friendly bank. Get it together as the CEO of this company XXXX.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: NAVY FEDERAL CREDIT UNION (NV)

My account was withdrawn from. Without my consent, there was a cash advance that was executed. But it wasnt done with any of my routing or my account number. And the account wasnt linked with the company anymore for my own reasons and financial choice. The associated debit card was frozen as well but somehow it was still processed. Theres no way possible for the account to bel linked to the company unless provided by me. And I didnt authorize it or perform a liking of my account and the company. The debit card was frozen and still somehow is able to perform debited transactions. Also the loan isnt due back until a later date this month. Not on this day of the withdrawal or the debited date. If account not linked how is a payment made? If the debit card is frozen how has it processed a transaction? 
This is unauthorized access and account hacking and or actions performed to allow these transactions to take place without my consent has to be an action that Im is illegal or not acceptable by NCUA.
Consumer complaint received 2023-05-12
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. (TX)

XXXX XXXX financial is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WASHINGTON FEDERAL BANK (OR)

Washington Federal bank closed my Simple Checking accounts last week on XX/XX/2016 without any warning and gave no reason for doing so. The biggest problem is they have around {$5500.00} of my money that is XXXX % of all that I had leaving me and my family in financial trouble as we have bills as well as property taxes to pay that we now do not have the money to pay. Also I had deposits setup to go into my bank accounts that were rejected and I 'm having problems getting those funds as they are in cyberspace right now and I 'm not even sure I will be able to get them at all! I have never had something so ridiculous happen to me with a financial institution as this and I have been a member of many other banks..
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently filed a complaint and spoke to someone in efforts to resolve. I do hate to constantly submit complaints but unfortunately this is the only way the company respond. I financed my XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX was my account manager. Long story short, due to COVID-19 you guys INACCURATELY reported to TransUnion that XXXX wasn't making payments to COVID-19 which was incorrect. After I reported the discrepancy to TransUnion and provided proof that I was making payments the account was removed from my credit report instead of being corrected. The loan is now paid off and closed and it should accurately reflect that on my credit report. I spoke to someone from the XXXX XXXX XXXX over the phone regarding this situation after submitting the first dispute and was told to contact TransUnion. After contacting TransUnion I was told to contact the finance company and request that they submit a reinsertion request for the loan. Please, I just need my credit history to accurately reflect I am a young male who is trying so hard to make a great living. Please help me resolve this simple issue so I can leave great reviews on the company.