davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: RNN Group, Inc (MO)

RNN Group LLC called my employer to verify my employment. I have not applied to anything recently to warrant an employer verification, nor have I given any agency or business permission to verify my employment. I called RNN Group to find out why they were calling and they asked me for the last four of my social security number. Then they told me that they called my employer by mistake and that they had the wrong name. Seems like a lie and seems like either a scam or they are violating collection rights. I dont have any bad debts that Im aware of to collect on so I have no idea why they are calling. They would not tel me why.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX 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
Consumer complaint received 2023-06-16
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. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-22
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY (TN)

My American Express National Bank ( Bluebird ) has subtracted over {$9000.00} from my account and act like they don't understand to add it back i have all the paperwork about it and they have my money and won't put it back. It was gone in less than XXXX weeks and is like I have made purchases and I have not they have a lot of ERRORS on my account and i am broke because of it and need my money ASAP. I want extra money for all this time they kept getting the stuff I need. They can give me extra money for having to wait since I need to buy stuff and can not get it cause of them keeping my money. 


Desired Resolution Relief Payment Request : {$9000.00} Requested Debt Relief : {$9000.00} Other Relief : My American express bluebird bank account has been wiped out by them it subtracted money from my account when I didn't even ask for it to be taken out. They need to give me my money back ASAP, I have bills, need food, need everything since I'm having to wait on them to give me my money back and this has been since XX/XX/XXXX and XX/XX/XXXX then from XX/XX/XXXX thru XX/XX/XXXX. Either way, the money was subtracted from my Bluebird ( American Express XXXX Bank Account and it was never added back, it's not that hard to see that it was not ever added back and why it was even taken out is a really good question, they shouldn't have been subtracting that much of an amount and they have down several withdraws from an ATM that someone had used my card to get some money off that I never withdrew. American Express does have zero fraud liability but they are not wanting to give me the money that is rightfully mine back. And multiple transfers were subtracted from my balance but was never sent to the other bank and were never added back to my balance.never added back to my account and neither were the amounts that someone had stolen. This has been going on since XX/XX/XXXX and I still do not have my money back or anything the representative that I spoke with recently said that " They didn't have access to it and that it was not there so now I am going to have to find all my receipts and write letters all over again for the XXXX time this year. I American Express Bluebird does not want to give me back my money for some reason and I had sent in proof that I was telling it correctly. Can you please help me get my money back it totals {$27000.00} total some reason back in XX/XX/XXXX they were {$20.00} mysteriously disappeared and they can't explain what the deal is cause they should have already given me a credit for the amount since it's been way past 10 days? It's also been past 45 days. Please I need CFPB help with getting my money back. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I purchase two airline tickets from XXXX XXXX using my Chase Sapphire card. On XX/XX/XXXX we contacted XXXX XXXX to cancel our flights due to the virus. They issued us two email ( attached ) authorizing a refund. The emails stated that it would take up to two billing cycles to see the credit on my credit card. I waited until XX/XX/XXXX to contact Chase about the refund and received a generic answer that did not apply to my question. I have continued to reach out to Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive a valid answer to my inquiry other than we will get back to you responses. At this time I dont  believe I have any other course of action than to file a complaint against Chase for their untimely crediting of my credit card issued by XXXX XXXX. I have spoken with XXXX XXXX XX/XX/XXXX just to confirm their authorization of a credit to my account.
Consumer complaint received 2018-06-05
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. (TN)

i went online and call all three major credit bureaus ( XXXX, Experian, and XXXX ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also Experian refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX XXXX
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. (MA)

In Accordance with the Fair Cedit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cosumer reporting agency can not furnish a account without my written instructions U S C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15U.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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-05
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (AR)

In effort to prove that my Promissory Note is valid legal tender, I discovered that BBVA Compass Bank is in Breach of Agreement concerning our contract, by concealing material information, and conducting unauthorized transactions. It 's been discovered that BBVA took our Promise to pay ( Promissory Note ) and deposited into an account, in I and my wife 's name that became asset for them that they used to fund our loan ; only it was not a loan, it was an exchange, they excepted our Promissory Note in exchange for credits to our transaction account ( s ) that we knew nothing about! they say that my Promissory Note is not valid legal tender, but yet they monetized our Promissory Note and never used a dime of their own, and then they are charging us back money we funded ourselves with interest. In the banking law, if the bank deposits the note, they must give you a deposit receipt, which we never received, ( see 12 U S C A Sec 1813 ). BBVA Compass Bank, is in violation of the GAAP and they know that they are! There is no way that BBVA Compass Bank can deny my complaint, because the proof is in the Bank Bookkeeping Journal Entries associated with our so called loan ; and the Federal Reserve Publication Modern Money Mechanics Pg 6, reveals that banks make loans by accepting promissory notes in exchange for credits to the borrower 's transaction account. They even admit that it 's an exchange. IF IT 'S AN EXCHANGE HOW CAN IT BE A LOAN? once again, I 'm asking for the title to our car, but if BBVA tries to refute this complaint in anyway, then I will demand full disclosure of all bookkeeping entries associated with our loan and the deposit slip for the deposit of our promissory note associated with our loan, which I have a right to by law of evidence.
Consumer complaint received 2022-11-29
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. (MD)

Transunion doesnt want to or always finding it difficult to respond to my disputes via mail. They come up with it didnt come from me when it came from me and now I have been trying to dispute hard inquiry, even after I sent a document to them, they still doesnt want to enforce my problem. Transunion XXXX  and needs to be looked into XXXX XXXX reporting incorrect balance XXXX XXXX XXXX is reporting wrong balance XXXXXXXX XXXX  is reporting incorrect payment history and transunion continuously ignore my dispute request Transunion continuously keep violating my consumer rights by not exercising it. 

15 U.S. Code 1679c have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 
Transunion is not honoring this! 
Also the phone numbers attached to my transunion is not mines. The only personal number I have is XXXX and thats it.
Consumer complaint received 2022-05-23
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)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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. (KY)

DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my XXXX  secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay XXXX XXXX secured loans and XXXX Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. 
XXXX XXXX XXXX.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Unable to unluck credit freeze with Experian, due to inability to verify identity. Unable to speak with a live person as they can not verify identity so they won't speak to me. I did get through on a dispute line but after I explained the problem the calls were both dropped. When trying to change password they claimed phone number was incorrect but I have not changed this number in over XX/XX/XXXX years. When trying to send link to change password via e-mail they sent it to an e-mail over XXXX XXXX XXXX. I have tried for XXXX days to reach someone to resolve this issue but have not been able to speak to anyone. I unlocked my freeze several years ago without an issue but it looks like they have incorrect personal information and I have no way to resolve the issue and unlock my credit freeze.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXXXXXX XXXX IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. 
CFPB-XXXXXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Universal Account Servicing, LLC (CA)

Recently, my line of credit was charged off after months of non-payment. However, I would reach out to this company to inform them of my financial struggles due to inflation. I inquired about programs to help me keep my account from being wrote off and reported to the credit bureaus. Unfortunately, everytime I would call nothing was offered to help me get back on track to making my account current again. They would tell me that because my account was so delinquent that it was not eligible for any program. At some point, I even asked a representative how long before I would be notified when the account was about to be charged off, so I could make sure to make some kind of payment. The representative responded that the account did not alert of when it would close. Now, I have been delinquent in the past before my credit limit was increased. Nonetheless, I am quite disappointed that this company did nothing to help me in the midst of my financial struggle. I feel that after getting my credit limit increased, they wanted to put this account into collections to collect on a higher amount. I even told them before the charge off happened that if it went into collections, I could not foresee when I would be able to pay it. It just made better sense to me, if they would have offered me assistance to keep the account open until it became current again. I always got correspondence through the mail about how past due I was. I even got phone calls from them, stating that it was urgent to call about the account. However, they never once stated that I needed to have a payment made with a date stating it would be charged off. Now, I understand that we all sign contracts when getting anything, whether it be a loan, line of credit, etc. Yet, it is in no way a person will know their financial situation in the future. And again, a representative stated recently that they could not give an answer of when the account would be charged off. But anyways- lastly, one of representatives called me the day of the charge-off, which was XX/XX/2023 to be exact. They called and THEN left a voicemail saying I was eligible for offers on the account. I called back and spoke to the representative. At first, they claimed I could pay a reduced monthly payment but then suddenly informed that the account was charged off that day. XXXX is how I came across this company. They referred me to get financing through this company to be able to pay for cosmetic sessions ( which, I would go for laser hair removal treatments ). I even recently searched this company through the XXXX  and they have horrendous reviews. Now, I have to look forward to my credit dropping. Something I kept trying to prevent if they would have found an alternative for me earlier. I already know the collection will be through XXXX XXXX. My sister got debt too. This has been quite the experience for myself as the consumer. I'll know to never do business with them again.