davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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. (LA)

The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020
Consumer complaint received 2021-01-04
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: Santander Consumer USA Holdings Inc. (NY)

I know my rights and which is wrote in 1681b, where I did not give permission or concerns to this company to get a hard inquiries copy. XXXX XXXX XXXX/XXXX/2020
Consumer complaint received 2021-05-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation (PA)

You guys all set me up with being pre-qualified just to turn me down what you guys don't see is my new history where I never missed a payment on my car loan where I paid off a whole car that was financed you guys don't look at the whole picture you just set me up to think I'm pre-qualified
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne closed my account due to inactivity. They sent me a notice on XXXX XXXX, 2020 of the closure with no previous warning whatsoever. I called CapitalOne on XXXX XXXX, 2020, within 30 days of the account closure notice and they told me that I can not reopen the card for any reason. Typically, other major credit card companies give you a grace period of 30 days to re-open an account if it is the " credit card company '' that closed the account.
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (IL)

The following companies did not have my permission to run my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NC)

On or around XXXX of XXXX my vehicle was repossessed by company GM Financial. After the vehicle was repossessed I was never contacted nor given any information as to the whereabouts of the vehicle. Not being notified nor given the information made it a problem for me to either get the vehicle back or collect all of my belongings from the vehicle. As stated by both Maryland ( state vehicle was purchased ) and North Carolina ( state of repossession ) : Under the laws of the State of NC ( State of repossession ) : Before reselling your vehicle, the repo company and or creditor must provide opportune time to redeem the vehicle and/or possessions prior to being sold at an auction. Before selling the vehicle at a public sale, the creditor must notify you of the date, time, and place of the sale. You may attend the sale and bring bidders if you want. If the creditor sells your car at a private sale, the creditor must notify you of the date after which the car will be sold.

Under the Laws of the State of MD The Maryland Department of Labor ( State of vehicle purchased ), a creditor may issue a Discretionary Notice at least 10 days prior to repossessing the vehicle to all signers on the loan by personal delivery or by certified or registered mail. You are not required to pay any repossession expenses if the creditor failed to issue you a XXXXiscretionary Notice. Also, send a Required Notice to you by registered or certified mail within 5 days after the repossession of the vehicle and retain the repossessed vehicle for 15 days allowing you the opportunity to reinstate the contract. 

I was never given any information now was I contacted about the above info. On XX/XX/XXXX I sent out a letter ( certified mail by USPS ) in order for company GM Financial to provide me information in support of the above information in which they received this letter on XX/XX/XXXX at XXXX XXXX Today is XX/XX/XXXX, and I have yet to receive any information from the above company GM Financial. I have disputed this information with all three major credit bureau and have yet to receive information from anyone concerning this matter.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

I am trying to access my free credit report from the official site https : XXXX but Experian is blocking it ( see attached blocked ) I am not sure how Experian is reporting me to lenders but they are not showing me the same information. When I look at my report from experian it shows all my accounts as exceptional payment history with the exception of 1 item ( see overview image 1 and all exceptional accounts ). When I check the late account it is listed as exceptional payment history but the fico8 is considering it serious delinquency ( see image ). Not only is experian blocking my free reports, forcing me to pay for reports and monitoring, but they are reporting me for items they aren't clearly listing and were supposed to be removed. I took a one time opportunity to pay them off but nothing has been done for 6 months. I am out of {$2400.00} and my credit is still totally ruined from one account that was supposed to be removed.
Consumer complaint received 2021-02-07
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 — Problem with personal statement of dispute
Company: Conn's, Inc. (MS)

How is this reporting accurate when the date of last activity is different on each bureau, I seeing 3 differnt dates reporting. Please send me proof of validation and conduct a proper investigation on my behalf. what WAS the method of verification that you used. Did you send a dunning letter before you reported inaacurate information?
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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. 

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 2021-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Hello ; XXXX for {$490.00}? I never opened account with them!!! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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. (TX)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS XXXX  DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I received an email on XX/XX/22 from what appeared to be a XXXX e-bill about a charge in the amount of {$390.00} that I did not authorize. I called the customer service number on the e-bill. 
Spoke with a man that explained to me that my account had been hacked and that for him to be able to see where the email was sent from needed to send me a link to an app called XXXX. Reassured me that he could get the IP address by me sending a {$500.00} XXXX transfer to XXXX PAYMENT TO XXXX XXXX XXXX Told me once it went through he would send the {$500.00} back to me. This transaction stayed in a pending status for a very long time. He kept me on the phone and then had me call Chase to have it pushed through. 
I called my son after hanging up with the gentleman. My son explained to me that it was all a scam! I have called Chase twice explaining to them what had happened. The transaction shows that it is in a pending status, not yet been deducted from my account. 
I was told the money has already been sent and can not be reversed. 
I feel so embarrassed and ashamed that this has happened to me. There needs to be some way a consumer can protect themselves against such evil, lying predators! 
I read that there is an Electronic Funds Transfer Act. 
I even asked for his credentials, name- XXXX XXXX Employee id - XXXX Toll free number XXXX direct extension number - XXXX ticket id number - XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
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. (NC)

I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Equifax has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Equifax refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

I demand that Equifax cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IN)

I opened an account XXXX, when i XXXX  to activate the card it started the account was restricted i then called chase and they told me the account was closed and the could not tell me why. I asked why hadnt I received a adverse action letter or anything in the mail on XX/XX/14
Consumer complaint received 2021-01-02
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 have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX  Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Experian has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Experian refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal. 

I demand that Experian cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (IL)

This is my ANOTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-01-02
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following 4 credit inquiries listed on my Chex Systems Consumer Report : XXXX are fraudulent and not my credit inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020, and XXXX XXXX XXXX, XX/XX/2020, I am a victim of identity theft and Chex Systems  has a recent police report on file.
Consumer complaint received 2020-12-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (FL)

these accounts that i am disputing are due to identity theft and fraud and need to be removed. I did not provide permission for you all to furnish anything. As A consumer i know my rights per 15 usc 1681 b.
Consumer complaint received 2021-01-01
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. (OH)

Transunion is currently reporting an account names XX/XX/XXXX thirty days late for XX/XX/20. I provided transunion proof that the account was paid on time. I disputed the information and their result was that the account was verified as accurate. I sent transunion proof of the payment that was made on time so there is no way the account could have been verified as accurate.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It started on XX/XX/XXXX when I found a fraudulent charge on my Bank of America/EDD Debit card in the amount of {$420.00} and one for {$50.00}. I contacted BoA on XX/XX/XXXX about the charges and they froze my account and sent me a new Debit card by mail. When I received the new card, I was unable to activate it due to that account being frozen. BoA said I need to contact EDD about the frozen account ( a freeze form ) sent to EDD. I contacted EDD on XX/XX/XXXX and they fixed it by sending an email to Bank of America to release the account. On XX/XX/XXXX I contacted BoA they said the account was still frozen and had to contact EDD. On XX/XX/XXXX I contacted EDD and they said that they had responded to the freeze form and that the matter was taken care of. I then contacted BoA on XX/XX/XXXX they said it would take 3-5 business days. I called back to BoA XX/XX/XXXX, they said I needed to contact EDD that they hadnt responded about the freeze form, I did contact EDD again and they said that the freeze form was completed on XX/XX/XXXX and BoA was the one that needed to fix the problem. 
BoA as XX/XX/XXXX has not unfrozen my account so I can activate my new card and I am now late to certify for my next pay period with EDD. I have until XX/XX/XXXX to certify with EDD or lose my money for that pay period. 
PS. I have contacted BoA customer service at least 10 times during this period of XXXX until XX/XX/XXXX and they still insist I have to contact EDD.