davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (NJ)

I just received my reinvestigation back from Transunion. They said everything is XXXX XXXX complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). because the list of accounts below are not accurate. The open date, date last active, High Credit, Last Reported, Date of Last Payment. XXXX XXXX they did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history. Thank you for your immediate attention to this matter
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: Experian Information Solutions Inc. (LA)

XXXX, XXXX and Experian credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. XXXX is reporting the following accounts and information violating the laws I listed above : XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX number XXXX, XXXX number XXXX, XXXXAccount number XXXX, XXXXAccount number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX number XXXX, and XXXXAccount number XXXX. 

XXXX is reporting the following accounts violating the fair credit reporting act laws listed above : XXXX XXXX XXXX number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX number XXXX, XXXXAccount number XXXX, XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX XXXX number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXX XXXXAccount number XXXX, XXXX XXXXXXXX XXXXAccount number XXXX-XXXXXXXXXXXXXX, and collection account reporting a {$140.00} balance with no creditor or person information. 

Experian is reporting the following accounts violating the fair credit reporting act laws listed above : XXXX XXXX XXXX XXXX no account number, XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX, XXXX XXXXAccount XXXX XXXX, XXXXAccount number XXXX, XXXXAccount number XXXX, XXXXAccount number XXXX, XXXX XXXX account numbers XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. I've also attached the fair credit reporting act laws so the person can read the laws they violated.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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. (CA)

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX  account # XXXX, has violated my rights. 


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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-03
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. (NC)

, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information An other adverse Item of information. other than records or convictions of crimes which antedates the reoort ov more than seven vears.

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 XXXX person knows or has reasonable cause to believe that the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC. (PA)

Exeter finance reposed the car XX/XX/2023. They added a slate fee charge of XXXX on top of the balance. They said they put the car up for auction instead of just letting me pay the car off monthly with another payment plan. They need to stop adding late fees when they already have the car. They pack on fees every day but they are not telling that to the customers.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (CT)

I submitted a requested of investigation due to a inaccurate information been report in my credit profile this company is allowing without any investigation, i have not received any proof of their investigation they have not take my requested seriously as they should by law. This company is violating my rights
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NJ)

Hello, my name is XXXX XXXX. I am doing a formal complaint for U.S bank, regarding a credit card application XXXX that Ive submitted since couple months ago. I have to mention that I have a checking and savings account with the financial institution since XX/XX/2022. I am a person whos always on the top of my credit score, managing my credit bureau at XXXX, XXXX and XXXX. 
U.S bank is declining my credit card application because due to too many trade lines opened in the last XXXX  months. 

Fist of all I demand to U.S Bank to provide me an exactly number of how many is too many tradelines for the bank. Because too many is not a concise, clear and understandable answer for any customer. 

I met all requirements : *I have account history with the bank *My credit score is XXXX *I am a full time employee with an anual income of {$56000.00} *all payments due to date *no collections I called U.S Bank after get the letter with the explanation, the corresponding department never provide answers for my questions, and the documentation is not clear, please do a research to verify information by the recorded calls. 

Is not acceptable for me, to be part of a bank that provide features and benefits to just SOME of the customers. 
On my criteria, I understand that credit lines represent requirements in order to be approved, also I know that banks must provide to their customers with an explanation of denied applications, but TOO MANY TRADELINES, IS NOT an answer. I have some credit cards and a car loan, with no pending balances, credit usage of the 6 %, Exceptional payment history, Simply, U.S Bank is being discriminatory, with no concise reasons to denied my application. I demand to be approved for the credit card application, and have the right to enjoy the bank benefits like any other costumers that meet requirements established for the bank and the law.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

Ive been complaining to Wells Fargo auto for 5 months now about my balance for my car 5 months ago the balance was XXXX its still showing XXXX as of XXXX I went over and Beyond to make double payments to change my debt ratio.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

XXXX, Experians, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.
Consumer complaint received 2023-06-14
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. (NC)

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 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The Bank of America credit card was fraudulently obtained in my name while I was incarcerated in Federal Prison. The account was open XX/XX/2015 and the current status is a charge off showing a balance of {$8900.00}. I have contacted the company with no resolution.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (FL)

On or about XX/XX/2017, I was contacted by Discover Student Loans in regards to my loan account. They advised that I needed to pay {$1100.00} to bring my account current. I informed them that my husband was currently unemployed and I have a XXXX year old daughter and I make XXXX a year. They advised that I did not have any grace period remaining and I needed to pay that amount to avoid default. I explained to them that I can not afford the monthly amount and I ca n't afford the requested amount. They replied that my loans were insured and might be turned over to a debt collector. 

This company refused or does not offer any work out options. I have tried with no success. I would like to negotiate a payment I can afford and they refuse to work with me. Its either all or else.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian refused to remove inaccurate account that has not been validated. Experian continues to accept summarized typed documents from XXXX XXXX to continue Experian to keep the account in my credit report. 

Experian refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Experian allows this and says account validated it is not. 

There was a settlement just settled with Experian who have not corrected any of their records they refuse to do anything
Consumer complaint received 2023-06-15
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. (GA)

I contacted TransUnion because their was an error in reporting my car payments. They investigated and my score when up to XXXX. Then they took XXXX points because I applied and received a XXXX XXXX credit card. I contact XXXX XXXX and they said that I my score would not be affected. XXXX XXXX said to contact TransUnion. I did and they said they would investigate. Today, I received an email and TransUnion took additional XXXX point. I am complaining because I believe that TransUnion is in retaliation for me complainin the first time. If someone is trying to improve their credit. TransUnion didn't treat me fairly at all.
Consumer complaint received 2024-04-25
Product: Credit 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. (WA)

We received a bill last XXXX for XXXX services to our house that we were selling. We had spent hours on the phone trying to reach XXXX as the company was being sold. We discontinued service in XXXX, once we finally reached them and then sent back the receiver to the company. We sold our house on XX/XX/XXXX and moved to another city ( XXXX, WA ). We contacted CHASE about a bill for XXXX services that was on our XXXX XXXX bill in XXXX. The dispute was credited and CHASE wrote " We're pleased to tell you that we've resolved your dispute. '' In late XXXX, we received another message from XXXX telling us that our account was past due and had been closed by them. That was curious as we had closed it on XX/XX/XXXX by phone call. We also received a bill for an XXXX XXXX ( that we sent back ) {$14.00} and additional charges for local channels, and XXXX 's XXXX XXXX ( {$240.00} ). We were living in a condo at that time in XXXX. The bill that appeared was sent to my XXXX XXXXXXXX who XXXX XXXX XXXX XXXX, so it had been routed a few times before it reached us. The name on the account was my mother-in-law 's " XXXX XXXX '' but the address was our new condo. She lived in assisted living without any XXXX  services. The charges were for services from XX/XX/XXXX to XX/XX/XXXX but the billing date of the statement was XX/XX/XXXX which seems really odd. We disputed these charges with CHASE and they appeared on our statement. I complained ( twice by phone ) and received a letter in early XXXX stating that " they have confirmed that these transactions are valid ''. I again disputed this and sent a copy of the bill and our moving history to CHASE on XXXX XXXX. 
On XX/XX/XXXX, I received another letter stating that " the results of our investigation confirm that the transactions are valid and no billing error occurred. '' Then they notified the credit reporting agency that we disagree with the resolution even though we have been paying the full amount. The phone discussion was about never receiving the XXXX XXXX  Anyway, the services were never received as the people who bought our house are friends and they did not use XXXX I have copies of the letters between CHASE and XXXX and the original XXXX statement along with the real estate sale of XX/XX/XXXX and my deceased XXXX XXXX XXXX XXXX XXXX I just completed my fifth phone call with CHASE and the manager ( third up the chain ) will call me in XXXX business days but they would not give me an email or an area code or a name -- so this call might just go to spam. We ask for the services to be credited to our account ( {$240.00} ). We will probably just stop using CHASE as our other cards have never been this difficult.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (LA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-16
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Noticed on my Transunion credit report today a bunch of inquires that should not be there! I contacted XXXX XXXX about it, but they said there is not much they can do. At this point I just need them removed since they are fraudulent. Attached is my FTC report detailing them all, but there listed below as well. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX