davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (GA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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. (NV)

In accordance with the Fair Credit Report act. XXXX Acct : # XXXX and XXXX XXXX XXXXXXXX Acct : # XXXX  and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Acct : XXXX and XXXX XXXX ( Original Creditor : XXXX  ) Acct : # XXXX and Personal Information XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. ( 15 U.S.C 1681 section 602 A. States i have the right to privacy. ) 15U.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 2023-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (WI)

On XX/XX/XXXX I received a phone call from State Collections about a debt. They stated I owed {$280.00}. I asked who the original biller was and what the charges were for. They stated XXXX XXXX XXXX ( XXXX ). I told them that that was a medical billing company and not the original biller, I wanted all the info. I was put on hold for a long time and the woman basically wouldn't tell me anything else. She finally said she would mail me all the info, as I wanted it. Didn't hear anything about it again so thought it was just some scam. 

On XX/XX/XXXX I FINALLY received info from them on what the bills were pertaining to. Not only did they NOT include any info on debt dispute ( or the fact that I have to do it within 30 days ) they also didn't even send the correct information. The bill verifications they sent only added up to {$100.00}. I finally called them to see what was going on as every time I hear from them I either don't get information or don't get correct information. Now, suddenly there were " missing pages '' they didn't send. They could send it if I wanted. I told them they also did not send ANY information on the debt dispute that I am allowed. She says she is not required to but I can get it if I want. They are supposedly sending me copies of these. Since it took over 3 months to get the previous info, I have very little faith in anything they state they will send.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I have submitted a claim with the FDIC for the missing deposit amounts and have provided copies of the statements and returned payments that would have used the credit amounts. JP Morgan Chase failed to credit the deposit amounts to the deposit account # XXXX and to date the total outstanding credits for just XXXX and XXXX are in excess of {$380000.00}. A Notice of Claim has been sent to JP Morgan Chase, a claim made to the FDIC.
Consumer complaint received 2022-10-25
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. (IL)

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, Account name : DEPTEDXXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : DPT EDXXXX # 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 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. 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 2023-01-25
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. (AL)

I am submitting this CFPB Complaint requgarding ther fraudulent accoubts that I have been trying to have removed but up until now, you have done nothing. Let me remind you that under the Fair Credit reporting Act section 605b, you are expected and required to remove any accounts and information that resulted due to identity theft. Also, I have been sending dispute letters with complete attachments of my personal identifying documents as well as the FTC Report I received from the FTC. I have been waiting for you to respond to me letters but I received nothing! You have not provided me with copies of documents supporting your claims that the disputed items belong to me, and yet you continue to report these accounts as if they are verified. In accordance with the Fair Credit reporting Act section 605b, I need you to remove the following accounts off of my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/2019. Your inability to respond to my letters or provide me with copies of proof of verification with these accounts should have resulted in the deletion of the disputed accounts off of my Credit File.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (NC)

I am writing to express my grave concern and frustration regarding the ongoing issues I have faced with Truist Bank, operating as Regional Acceptance Corporation. Despite my numerous attempts to address the situation, Truist Bank has violated my rights under the Truth in Lending Act ( TILA ) by never executing the new contract as promised, stealing money as a good faith to the new contract and illegally repossessing my vehicle and failing to adhere to the new payment agreement we established in XX/XX/2023. 

In XXXX of this year, I attempted to make my payment online, only to find that the system did not accept it due to Truist failure to properly set up the new contract. It took Truist Bank two months to resolve the issue, during which time they took no responsibility for their error. They insisted the first payment be made by direct debit payment to secure the new contract, which I promptly set up in good faith and the that the payment was debited from my account. Despite this, my vehicle was repossessed yesterday morning without warning leaving me without transportation to get to work. My work computer, daily cash deposit that I was scheduled to take to the bank yesterday morning and my work badge and office keys were in the vehicle. Also, the vehicle was recently inspected so my tags are good and need to be returned, as well my garage remote and easy pass formthe toll roads. Coats, jewelry and other personal belongings were in the vehicle. 

I have previously reached out to your office about Truist Bank 's fraudulent practices, and I urge you to take swift and decisive action against this company. This is an obvious preditory lender. How can anyone get ahead with companies charging 18 % interest and requesting down payments and restructuring loans only to breach the contract. This is a total scam! I teach for this state. So I do the most and make the least and now Im in danger of losing my job due to lack of transportation. I kindly request that your office investigate this matter thoroughly and hold Truist Bank accountable for their actions. It does no good for me to speak to Truist because they always answer and give the impression they want to help, but they just continue charging me extra money that I dont have to spare and never honoring the contract.

I appreciate your attention to this urgent matter and look forward to a prompt resolution. Please keep me informed about the steps your office will be taking to address this situation.
Consumer complaint received 2023-11-06
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Foursight Holding LLC (GA)

XXXX XXXX and Foursight Capital are reporting late payments to my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2, states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose if they don't send a set of guidelines before the payment due date.

Under 15 USC 1681a ( 2 ) i credit agencies can not report transactions or experiences ( such as late payments ) without my written consent. 

Under 15 USC 6802 states that credit agencies are supposed to disclose that they are putting a late payment on my credit and give me the option to opt-out of the reporting.
Consumer complaint received 2023-09-04
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Iam writing to express my deep concern and disappointment regarding the abrupt and unexplained closure of all my Chase credit cards and banking accounts, which I have held in good standing for over nine years. This incident has left me not only bewildered but also severely impacted, both personally and professionally. 

For nearly a decade, I have maintained five credit cards with Chase, consistently demonstrating responsible financial management. To my surprise and dismay I discovered that all my credit card accounts, along with two savings accounts and one checking account, had been shut down without any valid explanation. What is even more perplexing is that Chase also terminated my business accounts, despite the clear separation between my personal and LLC finances. This action has had a detrimental effect on my ability to conduct business and manage my financial affairs. 
Despite numerous attempts to seek clarification and resolution by visiting my local branch on five separate occasions, I have received no satisfactory response or assistance from chase customer service representatives. This lack of communication and support from a bank of Chase 's stature is highly disconcerting. 

Furthermore, this sudden and unexplained account closure has negatively impacted my credit score, which I have diligently maintained over the years. I believe that Chase 's actions are not only unjustified but also damaging to my financial stability and reputation.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT ACCOUNTS UNDER MY NAME. THE FOLLOWING FRAUDULENT ACCOUNTS ARE XXXX XXXXXXXX - ACCOUNT NO : XXXX .... AND XXXX XXXX XXXX - ACCOUNT NO : XXXX .... THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT EXPERIAN, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK FRAUDULENT ACCOUNTS BASED ON MY FTC IDENTITY THEFT REPORT THAT I WILL ATTACHED WITH THIS COMPLAINT.
Consumer complaint received 2023-01-25
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 value you setting aside some margin to remove a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-25
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them in my file 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
Consumer complaint received 2023-01-25
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them in my file 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
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (FL)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I received a call supposedly from chase bank telling me account had been compromised. They kept on the phone too long and in the meantime they knew my credit card number. They told me not to pull up my account until the next day while they investigate the compromised. They ask me to take care of my XXXX account for {$480.00} because we have put the funds in your account to cover the expense. The procedure they used had me convinced I was talking to Chase representative. However, after I hung up, things did not seems right. So i opened my account and my funds were gone. I called Chase, and their help seemed to be not up to par with handling the situation. I called another Chase official and they said they would handle it. today Chase reversed their action of covering the theft and withdrew my lost. I reported identity theft atold my nd they ignored that. So they assumed I stole my own funds from out of XXXX. Each withdrawal for {$300.00} each until they got down to the last {$100.00}, and each one covered drinks and dinner. I licve in Illinois and i certainly would not have withdrawn that much on one day for drinks and dinner in another state.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 2022-10-25
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. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was never late on the paid off account listing above this is a invalid late payment the fcra allow 30 days for this to be rectify. privacy violation please delete this is a invalid late payment please show proof or delete late payment
Consumer complaint received 2023-05-16
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. (CA)

An accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX Account number XXXX Balance {$14000.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX  Original creditor : XXXX  XXXX  Balance updated XXXX XXXX, XXXX  Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
Account number XXXX Original balance {$480.00} XXXX  XXXX XXXX Balance {$600.00} 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 2023-08-09
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. (RI)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX