davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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)

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. EXPERIAN, XXXX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN, XXXX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I wrote to your company indicating my dispute of information in my credit report. XXXX has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XX/XX/2020 I was sent confidential mail from Equifax XXXX XXXX. I received a letter stating I were affected by the Equifax XXXX XXXX and all of my information was stolen lost or sold. I have tried over an over multiple times trying to fix this issue. The Equifax company has affected the way of living. I have been denied XXXX consecutive times trying to find a home. Due to the impact pertaining the Equifax XXXX XXXX, my information on my credit file has never reached a score in the lows of XXXX. My credit score has always been XXXX no lower than XXXX. Equifax did nothing after notifying me about the breach. I have not been able to get any of my information correct I have been a victim of fraud an identity theft. Equifax played a major role in this situation. After the breach my credit file still has not been updated none of the items that dont supposed to be there are still in fact there. I have told Equifax over an over again. I cant get anything in my name due to the Equifax XXXX XXXX. XXXX getting denial because of my credit score and report
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (PA)

On XXXX  XX/XX/2023 my account was suspended for " suspicious '' activity after purchasing XXXX goods. After sending multiple forms of identity / residency proof, and explination of funds in question ( an {$1800.00} payment to a friend who loaned me money ) they have still and continue to deny me access to my account. XXXX  XXXX XXXX they answered me everyday. It is now XX/XX/XXXX and I'm not being answered at all after sending XXXX more final proofs of my residency. I am now not going to get paid as my paycheck goes to this XXXX bank, I'm going to miss payments, and I have been left out to dry all week as they have NO physical location I can go into. I want my account opened and that's obviously too much to ask for. These people and places need to have direct contact lines to people not just some XXXX on the phone who speaks broken XXXX and says " oh sorry i can't do nothing about that. ''
Consumer complaint received 2022-04-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX, XXXX Account # 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 2022-04-20
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. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NJ)

Good morning, I am submitting a complaint for the company by the name of Asset Care LLC XXXX XXXX XXXX for the amount of {$520.00}. The account number is XXXX. Date of service XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX, NJ XXXX. 

XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX and requested a bill, she stated one would be sent to me. 

XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX he stated he would have the one person in the company that sends emails out would forward me a copy of the bill XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX and he stated there was never a request put in for me to receive an itemized copy of the bill and he would put in the request that day XXXX I spoke with XXXX XXXX Asset Care ) and she stated there was an error with my email and that is when I asked to speak with a supervisor. 

XXXX I spoke transferred to Supervisor XXXX XXXX Asset Care ). XXXX stated they had no access to the bill because they were a 3rd party company and it would take up to 45 days to receive the itemized bill from XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-16
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. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-16
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 was shocked to see unauthorized inquiries on my credit report today, and I have no idea why theyre there. Ive reviewed my credit report like I usually do, but this time, something is seriously off. I even refreshed my browser, hoping it was just a mistake, but the inquiries didnt disappear. I need this issue resolved immediately, and I ask that the documents Ive provided be carefully reviewed so I can finally have peace of mind.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 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 2023-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (NJ)

On XX/XX/XXXX I reached out by phone to the banks customer support line because my online access randomly was revoked preventing me from accessing my account. The company said they would resolve the issue as it was back end. Fast forward to XX/XX/XXXX after making 5-6 calls to customer support I still don't have access to my account. I just had a newborn and need to pay bills and the company refuses to fix my account issue. I have lost money waiting for them to resolve this issue as I have an HSA investment account and am required to sell investments. I raised the concern with the XXXX XXXX XXXX but they did nothing to help the situation. Since the XXXX  claim it has been an additional 48 hours without a response on fixing my access issue.
Consumer complaint received 2018-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted the credit bureaus TransUnion and XXXX about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2023-10-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (PA)

Date XX/XX/XXXX XXXXXXXX Amount {$410.00} I.m dispute this debt cause this account was close in XXXX by the company and trying to get money when this account was closed by them in XXXX. I.m dispute and contest this account... is close ....
Consumer complaint received 2022-10-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX XXXX 3 international wire transfers posted to my checking account with Chase bank. One for {$5000.00} and two for {$10000.00} totaling {$25000.00}. I immediately contacted Chase bank to report the transactions as unauthorized fraud. I had previously experienced fraud on my account and had notified Chase. That bank account was closed and a new account was opened. The new account is the one in question here. Chase was unable to recover the funds and denied my fraud claim leaving me wiped out. I began litigation against Chase bank for negligence, however my lawyer advised me that the federal regulations did not protect wire transfers. I have recently heard of many other cases of wire transfer fraud greatly impacting consumers and am appealing to the CFPB to step in and hold banks accountable for their negligence. Thank you, Sincerely, XXXX XXXX
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XX/XX/XXXX , XX/XX/XXXX  and 60 days late for  XXXX  and   XXXX  . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have   XXXX   XXXX   XXXX   take off all the late payments because I was never late.
Consumer complaint received 2024-10-16
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. (FL)

I couldnt believe it when I saw inaccurate accounts appear on my credit report this morning, with no explanation at all. I always check my credit report, but today there were mistakes Ive never seen before. I refreshed my browser, thinking it might be a technical issue, but the errors remained. This situation is extremely frustrating, and Im asking that my documents be reviewed properly so I can feel secure that this will never be a problem for me again.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Two XXXX XXXX pledge loans were wrongly removed/blocked from my reports on XXXX and XXXX. I am authorizing and requesting that they be added to my report. 
I have called both bureaus multiple times to remedy this, but they have not offered any remedy. 
Please have this issue rectified and the accounts added back to my report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-16
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. (PA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Hi Respected Sir/Madam, I am customer of JP morgan chase checking account since year XXXX. Recently, I requested dispute of {$20.00} fraud transactions made on my JP morgan college checking account and they refused my dispute by stating that this transaction was authorized by me. Here is the detailed information : On XX/XX/XXXX XXXX, I noticed that there was fraud transactions of {$20.00} made on my checking account from " XXXX 's XXXX, XXXX, IL '' so i filled a dispute with chase for that transaction since i was with my family on that day in XXXX XXXX area ( specifically at XXXX XXXX, XXXX, IL ). 

On XX/XX/XXXX XXXX, I got confirmation from chase by stating that they are looking into claim and assigned me the temporary credit of {$20.00} for that transaction. 

On XX/XX/XXXX XXXX, I got another letter from chase which is stating that this transaction was authorized by me. 

On XX/XX/XXXX XXXX, I called the JP morgan dispute call center where they are saying that this transaction was made/authorized by me with the same XXXX XXXX which was used for my XXXX ride on that day ( which i used for going to XXXX XXXX, XXXX, IL ). 

On XX/XX/XXXX, I am filling claim with CFPB for helping me in this situation. 

I am aware about that this is just XXXX $ claim but i am seeking help to prevent this for any another person.