davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any
Consumer complaint received 2023-07-22
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. (MD)

Re : Letter to Remove Fraudulent/Inaccurate Credit Information I received a copy of my credit report and found the following item to be FRAUDULENT/INACCURATE XXXX. INACCURATELY REPORTING XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX By the provisions for the Fair Credit Reporting Act ( FCRA ), I demand that these items be removed from my report. 
On XX/XX/2023, it was ruled by a Judge and Jury that this loan had been rescinded, which solidified the cancellation and invalidation of its existence. As of XX/XX/2023, XXXX XXXXXXXX XXXX is fraudulently and inaccurately reporting this loan as pays as agreed which is in direct violation of the ruling of the Judge and Jury.

Attachments regarding this item include : A copy of the legal response to XXXX XXXX XXXX Motion for Summary Judgement ( pgs. 1 23 ) A copy of XXXX XXXX XXXX denied Motion for Summary Judgement signed by Judge XXXX XXXX ( pg. 23 ) A copy of the Judge and Jurys verdict sheet showing the judgement and its favor ( pgs. 24 31 ) A copy of the comments from Maryland Judiciary Case Search showing the judgment as contract rescinded ( pg. 32, verification can be obtained through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

collection company Rash in curtis is been trying to collect a medical bill that has been paid to XXXX XXXX XXXX, this debt was sent to collections by rash in curtis, not by XXXX XXXX XXXX because in the hospital records is all been paid, i have asked rash in curtis to validate this debt correctly and they have fail to validate this item properly, they keep on changing the information on this bill to keep on chasing me for a bill that i dont owe and is been improperly posted in my credit reports without been properly validate i asked them to validate and if fail to validate needs to be removed from my credit report but they keep on ignoring my request
Consumer complaint received 2022-11-21
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. (FL)

According to my research about FCRA 605, you are required by law to remove & block any inquiries which are found unauthorized, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-22
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)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX ending in XXXX is reporting as open on my experian credit report when the account is closed. I disputed the status error mutiple times with experian with no fair resolution. attached is documentation showing all XXXX XXXX credit card accounts have been closed. I want this account status updated immediately and experian to show proof of method of verification on there part.
Consumer complaint received 2022-10-20
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. (LA)

My name 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 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 2022-10-20
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. (AZ)

On XX/XX/XXXX I filed a dispute with Experian to properly report payments made to The XXXX XXXX XXXX. I provided receipts for all of the payments I made each month. I also contacted the law firm the same day I filed the dispute to request that they contact the credit bureaus and accurately report the original amount I owed which was {$6900.00} from a car loan debt I co-signed for that my daughter defaulted on. I requested that payments I had been making would be reflected on the report which they said they would take care of. I have been paying the creditor {$200.00} a month since XX/XX/XXXX and this was not reflected in the law firm 's nor Experian 's reporting of the debt. On XX/XX/XXXX I was notified by Experian the dispute had been resolved. A report was generated on XX/XX/XXXX claiming the information reported was verified with the creditor and updated. However, the balance being reflected as of today is still inaccurate, showing a total owed of {$11000.00} which is a far cry from {$6900.00} and the amount I agreed to repay. Also, the {$200.00} payments I have made still aren't reported as paid each month. In fact it shows a recent payment of {$200.00} but the balance hasn't been reduced by the amount I've paid so far as it still shows the original balance owed which is inaccurate. Today I attempted to file another dispute with Experian because the account is showing past due as of XX/XX/XXXX which is also inaccurate. Experian will not allow me to file another dispute for the same issue they are claiming is verified and resolved. Please help!
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Send at wire from my Credit Union Bank ( see attached document for information ) in the amount of {$50000.00} to a private account at Chase bank, for an investment on a multifamily unit. Chase bank flagged this as unusual activity and did not process the transfer. My bank called me to alert me. I contacted the recipient of the wire and they said that they did not have my funds in their account. 

At this point I called Chase to ask why they flagged the transfer, and they denied that they would do flag an incoming wire. I decided to cancel the transaction completely in case something was wrong with the transfer, since the money has not arrived at the recipient yet ( per the Chase private banker who is associated with the investment account ). On XX/XX/XXXX the wire transfer recall was initiated and I was told by chase that it would take 24 hours or less to return the funds. 

As of XX/XX/XXXX I have not gotten the money yet, and the recipient has not seen the money yet either. I was told by Chase that I could not have any information about the wire or where my money is. My bank told me that the money is at still currently at Chase. 

I have come across a lot of complaints about Chase bank holding onto these funds indefinitely and without urgency to return. I need my money back as soon as possible because I am intending to send it again.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

Equifax ignored my written letter to remove XXXX XXXX XXXX from my report. XXXX  repeatedly overstates the debt, failed to verify the account, and refuses to process dispute information. Equifax ignored my letter to correct this information.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

I got charged a random XXXX XXXX fee from Chase for XXXX on the date of XX/XX/2023, However I never requested such a service but despite how many times i called them and wasted more than 2 hours on the phone and even called their executive office still nothing can be done
Consumer complaint received 2024-03-27
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. (GA)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Last XXXX XXXX XXXX To : Equifax Consumer Credit Bureau XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX wrote this letter to the Equifax Credit Bureau to reinvestigate these accounts on my credit report. I was a victim of Identity Theft. Someone stole my information and opened these accounts under my name. ACCOUNT NAME : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX A BALANCE OF {$7100.00}. XXXX XXXX XXXX  OPENED ON XX/XX/XXXX A BALANCE {$29000.00}. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}. 
THESE ACCOUNTS NEEDS TO BE REMOVE FROM MY CONSUMER REPORT. I never Authorized these companies to have access to my consumer report. I NEVER SIGNED OR RECEIVED ANY CONTRACT FROM THESE COMPANIES. I ALSO FILE A COMPLAINT WITH CFPB AND XXXX THESE ACCOUNT NEEDS TO BE REMOVE WITHIN 15 DAYS. 

ALSO YOU NEED TO BLOCK THEM FROM ACCESSING MY REPORT. 

I also filed a police report with the XXXX police department, I sent it to EQUIFAX last month. And my tracking number is showing that it was delivered and someone signed for it. I will look forward to this information being updated in the next 10 to 15 DAYS or I will have toTake legal actions against the Equifax Credit Bureau in the court of law. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX and XXXXXXXX XXXX XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2022-10-20
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. (NJ)

Dear Sir/Madam : On or about XX/XX/2022, I sent a dispute letter ( see attached ) to Experian requesting they delete certain items and send me an updated credit report reflecting that, those items where deleted. On or about XX/XX/2022, Experian responded in a letter ( attached ) an XXXX the bankruptcy was verified and refused to remove the erroneous bankruptcy and refused to provide me with an update credit report showing the bankruptcy was removed. I am being harmed by Experian 's actions and I requesting immediate assistance before this causes me irreparable harm. 

On or about XX/XX/2022, I sent a dispute letter to XXXX and requested they remove the erroneous bankruptcy and other false reporting items. XXXX REMOVED the bankruptcy and corrected other various as requested. The bankruptcy court DID NOT verify a bankruptcy with XXXX, however Experian is ALLEGING that the bankruptcy court verified the bankruptcy with their agency and refuse to supply me with the verifiable proof.
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. (IN)

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXXXXXX Account Type : Line of Credit Date Opened : XX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right to privacy.

15 U.S.C 1681 Section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ) Section 605 states : no consumer reporting agency may make any consume report containing any of the following items of information ; any other adverse item of information, other than records of convictions fo crimes which antedates the report by more than several years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (NC)

On XX/XX/2023, I mailed a dispute to XXXX XXXX, which they received per certified mail on XX/XX/2023, requesting that they update my balance to XXXX ( XXXX ) due to the debt being paid, and I included the evidence supporting my claim per the attached enclosures. 

According to 607 Compliance Procedures 15 U.S.C. 1681e ( b ) Accuracy of Report, which states the following, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Since XXXX XXXX is in Violation for NOT reporting a XXXX Balance, Im requesting for this entire trade line to be removed from my consumer credit report. I appreciate your assistance in this matter.
Consumer complaint received 2022-10-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-22
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. (MD)

Re : Letter to Remove Fraudulent/Inaccurate Credit Information I received a copy of my credit report and found the following item to be FRAUDULENT/INACCURATE 1. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX By the provisions for the Fair Credit Reporting Act ( FCRA ), I demand that these items be removed from my report. 
On XX/XX/2023, it was ruled by a Judge and Jury that this loan had been rescinded, which solidified the cancellation and invalidation of its existence. As of XX/XX/2023, XXXX XXXX XXXX is fraudulently and inaccurately reporting this loan as pays as agreed which is in direct violation of the ruling of the Judge and Jury. 
Attachments regarding this item include : A copy of the legal response to XXXX XXXX XXXX Motion for Summary Judgement ( pgs. XXXX XXXX ) A copy of XXXX XXXX XXXX  denied Motion for Summary Judgement signed by Judge XXXX XXXX ( pg. XXXX ) A copy of the Judge and XXXX verdict sheet showing the judgement and its favor ( pgs. XXXX XXXX ) A copy of the comments from XXXX XXXXXXXX XXXX XXXX showing the judgment as contract rescinded ( pg. XXXX, verification can be obtained through XXXX XXXX XXXX Case No : XXXX )
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 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.