davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO. (CA)

Hi. My name is XXXX XXXX. 
Jpmcb Auto claims that I owe them a loan on a closed account. I asked with certified mail proof of the original documents and signatures to verify my debt or to remove it. I have seen no action or received any response.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've received a copy of my credit report and have noticed fraudulent accounts. I am requesting that all accounts and addresses that I have listed on my FTC report to be blocked and removed from my credit report.
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  are the same company. I got a loan with access loans in XXXX. In XXXX of XXXX I owed {$850.00} on the loan. I paid off {$400.00} in XXXX bringing the loan current and over half paid off. In XXXX I paid off the entire loan. Transunion CONTINUES to report this loan past due and me owing {$860.00} on the loan when it was current in XXXX and paid off entirely in XXXX. I can not get a house with this information still on the report!
Consumer complaint received 2023-08-17
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)

The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXXXXXX XXXX Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX XXXX I am writing to demand the removal of inaccurate personal information from my report being maintained from your bureau. 
I have reviewed and identified these inaccuracies to your company twice already with XXXX results. 
You continue to list my name on my report as XXXX XXXX XXXX despite my submitting a copy of my state Id as well as a copy of my social security card and a copy of my current utility bill. 
Please note that the inclusion of such inaccurate information can have a detrimental effect on my credit worthiness and may affect my ability to obtain credit or loan approvals. Furthermore I appreciate your assistance in notifying all third party entities, including financial institutions, creditors and any other organization that may have accessed my consumer report about the removal of these inaccuracies. This will insure they have the most up to date and accurate information regarding my personal details. In compliance with the FCRA, I expect a thorough investigation to be conducted after receiving this letter. Additionally I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter!!!
Consumer complaint received 2023-07-08
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. (TX)

There is a medical account listed on my credit report that do not belong to me, however, no medical debt should be on anyone 's credit report due to PII information which is a federal violation. Please remove that collection in it's entirety as this is hindering me from obtaining property via credit. Lastly, there are a few inquiries that I did not authorize ( XXXX XXXX, and XXXX ). Please remove them as well.
Consumer complaint received 2020-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I CALLED IN TO FEDLOAN TO INQUIRE ABOUT BY MY PAYMENT HAD INCREASED SIGNIFICANTLY AND WAS ASKING TO OBTAIN A MORE SUITABLE PAYMENT. I WAS TOLD I COULD APPLY FOR A NEW PAYMENT PLAN. I PROVIDED ALL MY INCOME INFORMATON, MADE A PAYMENT AND WAS TOLD TO WAIT 45 DAYS FOR AN ANSWER. I RECEIVED AN EMAIL A MONTH LATER SAYING THAT MY APPLICATION WAS DENIED. THEN I LOGGED IN AND IT SAYS MY LOANS ARE DEFERRED UNTIL XXXX AND THAT MY MONTHLY PAYMENT WILL BE {$0.00}. WHEN I CALL IN I FOUND OUT SOMEONE HAD SUBMITTED AN APPLICATION WITH ME WITH FRAUDULENT INFORMATION LIKE CLAIMING ADDITIONAL DEPENDENTS AND NO INCOME. MY SIGNATURE WAS FORGED ON THESE DOCUMENTS THAT I FINALLY OBTAINED FROM FEDLOAN. IN THE MEANTIME I AM INCURRING TONS OF INTEREST AND AM UNSURE HOW TO PROCEED.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX has reportedly closed my account back in XX/XX/2022. They are still reporting missed payments on my account after they have closed my account. They also closed the account and increased the APR. They have caused damage to myself and my report by continuing to report alleged late payment after the account is closed. This seems to go against federal law. I have also sent in a remittance coupon that was attached to the statement that they did not accept but kept the coupon. They continue to send after I told them to cease and desist ALL contact. Everything was filled out on the remiitance coupon including my autograph on the back according to black law dictionary the coupon is legal tender. If its not accepted it should have been returned to me.I have asked multiple time for an audit of my alleged file but have never recieved this I would like to see the incoming and outgoing currency on this, no I am not speaking of a statement.
Consumer complaint received 2023-07-08
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. (IL)

I sent a letter on XX/XX/2022 to Experian However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

This is about an ambulance service provided which I did not order, was not for me, was not at my residence. I have NEVER received any paperwork regarding this, no invoice or billing for services. This has been turned over to a collection agency that will not provide me any information.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I called XXXX XXXX along with their total loss department know that as a federally protected consumer, I was opting-out of any and all authorization given to report any information given to any third party. That I the consumer have given them written/ unwritten- verbal/nonverbal per 15 USC 6802 effective immediately and indefinitely!

However they have failed to do so in multiple attempts of me contacting them submitting this request even though I was told by the two of the representatives that they had in fact submitted my request. With them failing to do so has took a toll on my credit score damaging my reputation unforeseen future credit extension as a consumer to get to get things I need.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (TX)

CRA 605B ( 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 block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA.

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX  XXXX Balance : {$8600.00} ; XXXX  XXXX Balance : {$370000.00}.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX  for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. Until XXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and XXXX XXXX continues to report this unauthorized account. I will file for litigation for actual damages caused and XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX XXXX extortion, theft by deception and securities fraud. XXXX XXXX is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX was attached to this said XXXX XXXX  account and XXXX customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

A collection account was wrongfully added to my XXXX credit report, without any validation of the account legit and truly belonging to me. I filed a dispute with XXXX and they have refused to remove the account from my report, because my name and address was " verified '', However, This doesn't prove that the account is mine. 
I would like to have this account removed from my XXXX credit report immediately.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX charged my debit card two charges of {$73.00} on XX/XX/2020. I called my bank they said they would investigate and gave me a provisional credit. I also called XXXX  who acknowledged the charges were not vaild and said they would refund the monies. I received a refund for one of the charges on XX/XX/2020. I called XXXX and they said they had submitted and gotten an approval for both of the charges and assured me it was done. I have not received a refund for the second charge and I have been in communication with XXXX who states they are refunding the other charge. 

Meanwhile my bank reversed one of the provisional credits when one of the refunds came through. then the bank sent a letter on XX/XX/XXXX stating that it had investigated and determined there was no error so they reversed the second provisional credit. Throughout it all daily I have been in contact with XXXX  who last stated ( Monday  XX/XX/XXXX ) that I should have my credit by Wednesday  XX/XX/XXXX. It is Friday XX/XX/XXXX and I still have not received my refund. 

My checking account is in the negative. I have been charged overdrafts fees and I will continue to receive overdraft fees because of this error. My bank SunTrust lied and said they did an investigation. If they had spoken to XXXX on my behalf. They would not have reversed the provisional credit, in fact they would most likely have ensured XXXX refunded my money in a timely manner or simply reversed the charge themselves. 

I feel there is no excuse for the incompetence XXXX has shown in charging my account and in its ability to correct the error in a timely manner. 

I feel there is no excuse for SunTrust in failing to investigate the error and have it corrected in a timely manner. I can only assume that because it is a small amount and I don't have millions in my bank that they simply do not care.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to XXXXXXXX XXXX XXXX XXXXXXXX. In my credit report from XX/XX/, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-06
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. (AZ)

They are still showing on my report I've requested to have a fraudulent card open and used from XXXX  XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Other — 
Company: SUNTRUST BANKS, INC. (FL)

I am filling a a series complaint against the XXXX credit agency 's. 

I have been working on this for over a year. It effected my health. Ability to obtain credit, the Ability to be hired for 2 jobs. 
I have disputed several issues on credit report to all agencies. According to the Fair Credit Act the dispute that is in question must be removed unless they provided documentation to the credit agency 's as well as notifying the consumer within 30 days. I have not been notified on any issues that I have disputed to the credit agency 's by the agency 's that I am disputing. There is no group or forum for me to speak to congress about this. I do n't understand why a cusumer as I must do all the work and follow the rules but yet no one wants answers to there mistakes. I have called 20 times or more on each on issue to the agency who has reported something bad on me, and written several letters ; which I have proof of all. Of course No response from any. What is my next course of action??
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2024-03-12
Product: Credit reporting 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)

Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts.. 

Reporting in XXXX : XXXX. Under XXXX5 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

Reporting in EXPERIAN : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Reporting in XXXX : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report.