davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (LA)

Lets get Straight into this, All 3 Credit Reporting Private Companies has a account on my Credit report that shouldnt be on there. Actually by Law nothing should be on my Credit report sue to the Fact I havent giving anyone permission to report anything on my credit Profile I have the right of privacy They have a account from XXXX XXXX XXXX  and all 3 Private Data Reporting Companies have something different on their for the Account Status. Im going to start with XXXX XXXX, has the Account listed as In Collection/Charged off. This XXXX XXXXXXXX Account cant be a Charge of because that means that XXXX XXXXXXXX XXXX gave up the Debt in most cases filed a Insurance Claim, also will be receiving a Tax Write off.. As for the Collection part, how do the Credit Reporting even know that this account for XXXX XXXX XXXX is in Collections when a the Collection company at hand never even Posted yet. Another pointer is that until the Debt Collection Compnay sends over the Validation not Verification I requested the Acount may not even be mines. Im attaching a file with this letter showing that This account should be Deleted according without any Delay. 

Now on to Equifax. Equifax has this Account listed as a Charge off, and as I stated Earlier in this letter that this isnt a Charge off. A Charge off is when the Granting Company just throws in the Towel and take a full lost. Actually its not a Full lost because They fill an Insurance Claim to get paid, also write it off on their yearly Taxes. Basically they are getting paid twice for it, and also when a Company Charges Items off the Consumer isnt held reliable for that Account because the Granting company took it upon themselves to Charge that Account off. So please remove at Once. 

Now For XXXX. 
XXXX Also has this account showing as Charged off. Clearly you can read the above statement about Charge Offs, so Im not going to get into that. I could tell you this though., These Credit Reporting Companies are illegally False Reporting. This Account was never Charged off, nor do they know its in Collections. They are breaking the law, in the attachment Im attaching to this XXXX XXXXXXXX XXXX Clearly says they Sent these False Credit Reporting Companies a message to DELETE THIS ACCOUNT because they dont want their name on anything. Once again the Law has Been broken by these Private Companies whom call themselves a Bureau, when Actually their criminals due to the reason I didnt give my consent to post anything on their Reports or whatever you want to call it. My right have been violated, my right to my privacy must not be a Great American Law anymore. 

Please remove this Account from your reports or be prepared to be Sued In the Words of the late Great Donald Trump Lets make American Great Again
Consumer complaint received 2023-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I'm trying to use this american express reward card to buy XXXX e-giftcard regardless what amount I still get declined. It did a pre-charge but unable to go through each time. I did it 4 times and still get declined. The total amount is still less than the reward card balance
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX XXXX  from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXXXXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Consumer complaint received 2022-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Sir or Madam : I am writing to alert you that I have been the victim of identity theft, and that my personal financial information has been used without my agreement or knowledge to acquire credit, products, and/or services on the above-mentioned account. I am asking contact from you releasing me from liability for this debt and informing credit reporting bureaus and collection agencies of this fact. Thank you in advance for your consideration of this issue.
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Counsel, Inc. (AL)

Called XXXX on or around XX/XX/XXXX in regards to Debt call from XXXX XXXX. XXXX XXXX told me he was an attorney for XXXX XXXX and he was trying to get money owed. I informed him I wasnt paying it because they lost everything XXXX owned down to her XXXX XXXXXXXX. He asked me if I filed a law suit against XXXX XXXX and I said no that I didnt know I could and he stated that if it was true I could. I told him they were inept a taking care of old people, they were short staffed had one nurse for 2 buildings and almost XXXX XXXXXXXX. He asked if I made a complaint with the state and I said yes and he said its not in his file. I told him a nurse from XXXX called me and asked me if XXXX was abused by other residents while she was there I told her no but continue to tell her about the staff shortages only one nurse for 2 buildings how they lost all her belongings and how they almost overdosed her. He tells me there is no report from the state in her file and I tell him I worked XXXX XXXX  and know complaints disappear. XX/XX/XXXX XXXX XXXX calls and leaves me a message on my voicemail telling me that ignoring their calls will not make the debt go away and that he feels that I am trying to get out of painted the date and that guy never intended to pay the debt that I fraud and the company, so I call XXXX XXXX back. I told XXXX XXXX that I am on disability and that I can not for the pet a lot a month I told him I could pay {$10.00} a month and he laughed and he said that he is not going to except that amount and I told him that I can not pay hundreds of dollars and hes like how about {$500.00} a month and I might know thats my whole check but what I live on and he pretty much said that that was not his problem, and again he said to me I think you purposely tried to defraud the company and that I never intended on paying the bill. Then he hears my dogs barking and says to me when you got dogs and I was like yes I have two years with dogs are pretty expensive are they and I asked him if he had dogs and he said no and Im like well then how would you know that theyre expensive. XXXX XXXX goes on to pretty much make fun of me because I am on disability Im gon na tell him you know I wouldnt be able to pay my bills if I paid {$500.00} a month to pay this bill back and he told me all that were gon na have to go to court, he tells me that XXXX have to send it to litigation and pretty much me having to give up everything I have to pay this bill back which would include my property. XXXX XXXX has been very crass and very rude with me. I have emails from XXXX XXXX being rude to me and I also have a couple voicemails if I have to continue to deal with XXXX XXXX this issue was never going to be satisfied. I would prefer not even talking to him. He is a very humiliating person. He puts me down and talk to me like Im an XXXX and threatens me. XXXX XXXX works for credit counseling Inc. out of Florida.
Consumer complaint received 2023-05-31
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. (SC)

According to 15 U.S.C. 1681i ( 5 ) XXXX, XXXX and Equifax are suppose to modify my accounts that are NOT reporting correctly. I have been doing this back and forth for over a year. I have told them to reinvestigate these accounts XXXX XXXX XXXX XXXX and numerous Receivable XXXX XXXX XXXX However, they have stated everything was complete and accurate. But how is that possible when the dates open, last activity, including me even having a loan on my credit report when XXXX XXXX does not own any loans of mines after they were forgiven and removed from all credit beaurea but XXXX XXXX Equifax is constantly violating my rights and inaccurately reporting against my government social security number. 

I have also submitted supporting documentation with my previous request. 
I have advised them to remove these accounts and if not provide me proof of accuracy along with my WRITTEN CONSENT TO BE FURNISHING MY ACCOUNT which such information. Per XXXX XXXX. 1681 Section 604 A Section 2.

Per 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 more than seven years.

15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts upon my government administered social security number ; my rights has been violated.

15 U.S.C 1681 Section 602 A. States I have the right to privacy and confidentiality. 

15 U.S.C. 1681-2 ( A ) ( 1 ) states : 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 the information is inaccurate. They are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

I really hope we resolved this matter ; I have been trying to work with the beaurea but they are hurting my job livelihood, my means of having a home and my character with the inaccuracies and constant updates of false information on my report. I spoke to student loans XXXX times and they have stated that they have requested all credit beaurea remove them from my account since I have no loans with them and is no longer in default. XXXX abide however, experian and equifax has not. I am so fed up with going back and forth and constantly pulling you all into this but they are ignoring letters sent and well as dispute through you all.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to the laws, 15 us code 1681 ( b ) ( 2 ) 15 usc 1681 ( a ) ( 1 ) 15 us Code 1681 ( c-2 ) 15 Us code 1681 ( a ) ( 2 ) ( a ) ( i ) These accounts should not be deleted XXXX XXXX XXXX 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 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to XXXX5 U.S.C. 1681i ( 5 ) XXXX, Transunion and XXXX are suppose to modify my accounts that are NOT reporting correctly. I have been doing this back and forth for over a year. I have told them to reinvestigate these accounts XXXX XXXX XXXX XXXX and numerous Receivable XXXX XXXX XXXX However, they have stated everything was complete and accurate. But how is that possible when the dates open, last activity, including me even having a loan on my credit report when XXXX XXXX does not own any loans of mines after they were forgiven and removed from all credit beaurea but XXXX XXXX XXXX is constantly violating my rights and inaccurately reporting against my government social security number. 

I have also submitted supporting documentation with my previous request. 
I have advised them to remove these accounts and if not provide me proof of accuracy along with my WRITTEN CONSENT TO BE FURNISHING MY ACCOUNT which such information. Per 15 U.S.C. 1681 Section 604 A Section 2.

Per 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 more than seven years.

15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts upon my government administered social security number ; my rights has been violated. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy and confidentiality.

15 U.S.C. 1681-2 ( A ) ( 1 ) states : 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 the information is inaccurate. They are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

I really hope we resolved this matter ; I have been trying to work with the beaurea but they are hurting my job livelihood, my means of having a home and my character with the inaccuracies and constant updates of false information on my report. I spoke to student loans XXXX times and they have stated that they have requested all credit beaurea remove them from my account since I have no loans with them and is no longer in default. Transunion abide however, experian and XXXX has not. I am so fed up with going back and forth and constantly pulling you all into this but they are ignoring letters sent and well as dispute through you all.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Upgrade, Inc. (IL)

I made a cash advance of {$600.00} on XX/XX/2022 which the company attempted to deposit on a closed account even though I put the new account on line they told me it was a mistake on my part, I never received the money, the bank which is the XXXX XXXX  informed me that the transaction dod not go through since the account has been closed since XX/XX/2022 and the money was returned to the sender which is Upgrade, I've called Ugrade XXXX times ( may be more ) and emailed them too, they asked me to submit a bank statement showing the account is closed which I did and followed it up with another phone call I was told some one will call me in XXXX XXXX with the result that was XXXXXXXX XXXX ago, the {$600.00} is posted on my account as deliquent there was a payment due on XXXX XXXX.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THIS IS MY SECOND TIME DIPSUTING THESE FRAUDULENT ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND ITS CAUSING MYSELF AND MY FAMILY HARDSHIP THAT SOMEONE WAS ALLOWED TO USE MY INFO TO OPEN THESE ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

bank in MN would be XXXX XXXX using my name XXXX XXXX could possibly be XXXX XXXX using my name.Also child support was cancelled by my sons dad XXXX XXXX, our son is XXXX he stopped all arrears and back support, nothing filed in XX/XX/2020.Last time I checked my score was 680-760 only 3 months ago.Also I had transferred {$40.00} from my work pay check card ( wisely-daily pay ) to my bank account 3-4 weeks ago and it still is not in my account at XXXX XXXX  wondering why??? I also have identity theft through social security and federal and state.Also stolen DL and social security cards
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 I got approved for auto financing loan by Chase Auto for the amount {$45000.00}. I have XXXX health issues and have been diagnosed as XXXX. I have been dealing with this for last XXXX years and have my good & bad days. XX/XX/2023 was XXXX of my very low XXXX day. Without being in sound XXXX condition, I simply walked into XXXX XXXX XXXX XXXX XXXX of XXXX, NJ dealership. 

I do not have a regular job nor any bank savings to support my car purchase. I was not in a sound state of mind to do this purchase. I was hospitalized next day, XX/XX/2023 due to a XXXX XXXX 

Chase Auto should not have approved the car loan without verifying my employment status and history. I reached out to Chase Auto several times to explain my situation and get the auto loan cancelled. I need Chase auto to cancel this loan immediately with no penalty and have the car returned to the dealership. The car has not been driven since the day it was bought due to my hospitalization. I can provide supporting medical documents to exhibit my XXXX  health condition.
Consumer complaint received 2022-11-14
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. (MN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX MN XXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is not allowing me to freeze or unfreeze my credit file online. I have already spoke with someone regarding this situation and I was told that I would be able to do this without a problem yet the problem still exists.
Consumer complaint received 2023-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

The inquiries that are currently on my report were stated by me to be fraudulent activity. I currently have no accounts correlating with the timeline of the inquiries nor did I attempt to apply for credit from the following lenders. 

1. XXXX - XXXX SERVICE Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

2. XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

3. XXXX - XXXX SERVICE Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 


4. XXXX XXXX XXXX XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

5. XXXX XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry. 

6. XXXX Date of inquiry reported by Equifax : XX/XX/XXXX No action taken by the company nor bureau with proof or verification of information validating inquiry.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX XXXX, XXXX and Experian XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX Date XX/XX/2022 XXXX XXXX  XXXX Date XX/XX/2022 XXXX XXXX XXXXXXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX  Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX  Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXXXXXX XXXX  Date XX/XX/2022 XXXX XXXX ACCT  XXXX XXXX  ACCT XXXX