davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX, Experian XXXX XXXX, XXXX XXXX XXXX I am writing to dispute inaccurate information on my credit report. I recently received a response from XXXX and XXXX XXXX regarding an account that has been reported on my credit file. The information provided by XXXX and XXXXXXXX XXXX does not align with the information reported by XXXX, XXXX, and Experian, and has resulted in discrepancies in the reported dates and amounts associated with the account. 

According to the response from XXXX and XXXX XXXX, they reached out to XXXX and confirmed that the account was assigned to a debt collector and settled for {$800.00}. However, the information provided by XXXX, XXXX, and Experian does not reflect the same settlement amount or date. This inconsistency has significantly impacted my creditworthiness and has the potential to harm my financial standing. 

I am requesting a thorough investigation into this matter and urge XXXX, Experian and XXXX to update the information on my credit report to accurately reflect the settlement and any other relevant details regarding the account in question. I also request that XXXX provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding this issue, as it violates the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. 

Please find enclosed copies of relevant documentation supporting my dispute, including the response from XXXX and XXXXXXXX XXXX and any other pertinent information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the inaccurate information from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (AZ)

I.Q. Data is charging me for a debt I already paid through a different company. I informed and provided a letter from the company I paid for proof. They still wont quit collection attempts and they wont update the collection account on my credit report.
Consumer complaint received 2024-04-20
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: U.S. BANCORP (NY)

On XX/XX/2024 I attempted to purchase groceries at my local XXXX XXXX. I attempted to make a purchase on the mobile application. Unfortunately the app did not process my card. The next day I saw I was charged for the groceries. I reached out to customer service for XXXX but they said I had to dispute the transaction with US Bank. I reached out on XX/XX/2024 and they put a temporary credit on my account. I received no request for further information. A month later on XX/XX/2024 they put the charge. I called US bank right away and asked for it to be disputed. I also asked what information they needed and was told nothing at this time. I received a denial letter today XX/XX/2024 saying incorrectly I needed to return the merchandise purchased.
Consumer complaint received 2023-03-15
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. (MS)

I have reviewed my consumer reports and noticed that I had several late payments on two accounts that I have never been late paying. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with COMPLETE MAXIMUM ACCURACY. I have never been late on payments for the following accounts : XXXX XXXX - XXXX and XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments inaccuracies be updated to PAID AS AGREED/NEVER LATE as they should be as I was never late. I thank you in advance.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
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. (HI)

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

Account name : XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-30
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. (NV)

For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting three different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my account.
Consumer complaint received 2023-03-15
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2023-03-15
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. (MI)

This Chage off account was incurred due to identity theft and I am submitting this CFPB Complaint to you today to request that you remove this account off of my Credit File in accordance with the fair Credit Reporting Act section 605b. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated the FTC report into this complaint in compliance with the requirements of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove the account : XXXX XXXX XXXX Balance : {$290.00} as soion as possible in compliance with the Fair Credit Reporting Act. I've heard that you are compelled by federal law to remove the disputed items that were the consequence of identity theft under the Fair Credit Reporting Act section 605b. So kindly abide by the law.
Consumer complaint received 2023-03-15
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. (VA)

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 2023-07-17
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. (CA)

Victim of identity theft, accounts listed have been opened fraudulently without my knowledge of consent. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Also the following names are incorrect please remove ; XXXX, XXXX, XXXX Incorrect addresses ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect employer ; XXXX  Attached is a copy of my FTC Affidavit, Dispute Letter, SSN, CA ID
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 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.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX. The account status is unverified and incomplete XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX. The following status is Incorrect and unverifiable XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me. I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
Consumer complaint received 2023-03-15
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.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have a credit building card through XXXX, XXXX Bank XXXX XXXX The XXXX credit building card is a pre-paid card that can only have a negative balance of a maximum of {$50.00}. On XX/XX/XXXX I transferred {$250.00} from my XXXX  checking account to my credit builder card account. I paid a storage unit payment on XX/XX/XXXX for a total of {$200.00}. On XX/XX/XXXX I made multiple purchases through XXXX for {$50.00}. At this point, my credit builder account had a negative balance of less than {$1.00}. On XX/XX/XXXX I received an email from XXXX XXXX that said my credit was impacted and my credit score went down. When I checked my XXXX XXXX account it showed that XXXX reported my credit builder account had a negative balance of - {$230.00}. After looking into my accounts I disputed the balance in XXXX XXXX. Today XX/XX/XXXX, I contacted XXXX to find out why my credit builder account reported a negative balance. They told me that it was how the credit agencies interpret XXXX reports and i would have to dispute it with the credit agencies. I have since turned off my credit builder card with a balance of {$0.00}. I then XXXX  if anyone else had a similar problem with XXXX. I found that this problem has been happening for years and has yet to be corrected by anyone.
Consumer complaint received 2023-02-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

My loan was established as home equity but is actually a mortgage. I owned my home in full at the time of the loan in the amount of XXXX in equity in XXXX for XXXX at 6.75 %. By XXXX the remainder due was approximately XXXX. I did a modification loan for XXXX at 4.875 % and another in XXXX for 40 years After that Wells Fargo transferred me. On both occasions they told me I had lost my job and they told me to stop paying for 3 months and Id be qualified. By the time they told me the terms I couldnt go back. Ive tried to have them explain why I still owe XXXX after 15 years and no one can provide an amortization or explanation I feel they used my equity for their gain. Possibly predatory lending.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

My due date for Home Depot  Consumer  credit card is the first of the month.I pay it early each month on the  XXXX  or  XXXX  of the preceding month. They charge me a late fee saying it was for the previous month even though I made a payment for double the amount due  XXXX  weeks earlier. This appears to be a scam to generate late fees for payments that are not late.   They ca n't ( or wo n't ) explain what date I need to send in my payment to not be late.   There is no possible way to get caught up.     I pay {$200.00} on   XXXX     and {$200.00} on  X/XX  30 days apart yet my {$180.00} payment on  X/XX    generates a late fee on  X/XX . The minimum payment is less than {$100.00} for each of these months. This should never happen.     Predatory late fee structure designed to generate unearned income to company.   Consumers have no recourse. Phone line help staff are clueless.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management keeps calling trying to collect a debt that is not mine. It is affecting my credit. I have asked them to validate this account, well over 30 days, and they have not done so yet. On my credit report, they state that this account was opened on XX/XX/2023. I have not opened ANY accounts in a very long time. I have asked them to send me paperwork with my signature and everything else that they have proving that this is my debt and they couldnt do it, but yet, they keep calling me.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (HI)

Thursday XX/XX/XXXX I received a text message from Chase bank saying my account was going to be closed if I dont call the bank to clarify information. I called bank @ XXXX ( XXXX XXXX ) spoke to a customer service representative to be told my account was being closed with no explanations as to why. I called corporate office spoke to a higher up to be told the same thing, couldnt be told why my account was being closed by the bank, I had to wait 5-10 business days for my account to close to be informed as to why this action was taken against me and I had to wait another 5-10 business days to be given a check with my hard earned money, in the meantime Im screwed with no money cant even transfer my money to purchase food and daily necessities I need. This isnt fair and I did look up the terms and conditions with Chase READ the whole thing, no where in there Terms and Conditions did it state they have the right to do this to a customer and leave them with no money that isnt theres to begin with.
Consumer complaint received 2023-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!