davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1200.00}
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 16815-2 ( 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 2024-11-21
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. (AZ)

Inaccurately Reported Account : XXXX XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the XXXX pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you XXXX have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy.

This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.
Consumer complaint received 2023-02-07
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. (NJ)

XX/XX/2022 TransUnion Credit Report showing XXXX days past due..THIS IS INCORRECT..payment was due on XX/XX/XXXX, I paid on XX/XX/XXXX,. Just XXXX days past the due date ... XXXX incorrectly reporting me to TransUnion..I AM REQUESTING REVISION TO MY CREDIT REPORT AT ONCE!!! I HAVE NEVER BEEN XXXX DAYS LATE EVER!!! 

FURTHERMORE ... THIS IS THE XXXX TIME THIS HAS HAPPENENED IN RECENT MONTHS ... I want to be COMPENSATED for the damage imma monetary credit to my account
Consumer complaint received 2023-03-08
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. (VA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
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. (TX)

Started a car loan application in XXXX XXXX After one month decided not to proceed. In XXXX XXXX my credit was re-pulled twice with XXXX XXXX XXXX XXXX. I wrote XXXX XXXX in XXXX via certified letter to ask if they could please remove both inquiries as they were not authorized. I recieved a letter back from XXXX XXXX that both inquiries would be removed in 30 days. It is now XXXX XXXX and both inquiries remain on my credit report. I attempted to contact XXXX XXXX by phone on XXXX and left a voicemail, but have not heard back. I have tried to reach Equifax on multiple occasions and it is near impossible to speak to a person.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute against XXXX XXXX XXXX XXXX with all 3 credit bureau agencies and Transunion is the only agency that will not delete the information from my credit report. I asked them to provide proof that I own the account or that the debt listed was verified and I did not receive any information yet I can no longer dispute it. XXXX and XXXX have deleted this account from my credit report
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX 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.

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 information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (TX)

Chase bank customer support has granted access to my account to a fraudulent third party twice in the past six months. 

The first infiltration took place in XXXX of XXXX, and the bad actor siphoned out all of my credit card rewards points. 

After this first break in the XXXX fraud team asked me to set up a verbal password to prevent this in the future. I did so and my points were later returned. On top of this, I was asked to change my login username and password, and set up new recovery questions, which I did. 

In XXXX of XXXX another actor was granted access via customer support and changed my primary address, password, primary email, and also siphoned out all my credit card points. 

My account username and password are unique and were not compromised. I confirmed with the Chase Consumer Protection Group that the bad actor was granted access through Chase Customer Support and the bad actor was not asked for my verbal password. The representative from the Chase Consumer Protection Group said that Customer Support was required to ask for it and they didnt know why Support failed to ask despite my account being flagged for this kind of fraudulent attempts.

Its unbelievable that Chase allows their support to grant access multiple times to my account through social engineering.

One time was understandable but after the protections were placed on my account absolutely unacceptable and Chase needs to be held accountable.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

Ive asked chase to provide me a monthly statement or a XXXX balance letter multiple times but they havent sent me either since 11 business days ago. I need the monthly statement for all 3 credit cards at chase.
Consumer complaint received 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I wrote letters to Transunion over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amounts on my credit report since XXXX of XXXX : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} They have not replied to me or removed items from my credit report
Consumer complaint received 2024-03-24
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. (WI)

I looked at my report back on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more than XXXX years old and is not accurate XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more then XXXX yrs old and is not accurate XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX  ( Original Creditor : XXXX XXXX ) XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate
Consumer complaint received 2023-02-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have recently moved to a new location. I have attempted to make an address change with this firm but they refuse to allow me to update my address. They say I must contact my employer and make the change. I retired almost XXXX XXXX XXXX  and have no ongoing relationship with my previous XXXX. XXXX XXXX XXXX, when I retired, I moved to a new location and they accepted my address change without forcing me to contact my previous employer. It is unacceptable to force me to make contact with my old employer to make a simple address change. i am not attempting to withdraw funds just change my address.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (FL)

It was a credit card to help you with your credit. I was to accumulate {$750.00} and then they would give the money back and charge a percentage and give money back and report to credit bureaus to help raise score. I wanted to cancel with having paid about {$450.00}. They took my {$450.00} and reported that I owed {$750.00} to credit bureaus.
Consumer complaint received 2024-11-20
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. (FL)

In early year 2024, I discovered an account from XXXX XXXX on my credit report that I did not open or authorize. The account, reported as charged off, reflects usage and payments that were not made by me. I immediately filed disputes with the credit bureaus and contacted XXXX XXXX to request evidence of my authorization for the account. Despite my efforts, the investigation concluded incorrectly, stating the account was valid. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 1681i ) and 605B ( 1681c-2 ), I have the right to dispute inaccurate information and have fraudulent accounts removed from my credit file. Additionally, Section 623 ( 1681s-2 ) prohibits creditors from furnishing false or unverifiable information to the credit reporting agencies. The presence of this account on my credit report violates these rights. 

I have also filed a police report and an FTC Identity Theft Affidavit to document this fraudulent activity. If this account is not removed promptly and corrective action is not taken, I am prepared to pursue legal remedies, including filing a lawsuit for damages resulting from the inaccurate reporting and failure to comply with federal law. I demand the immediate deletion of this account.
Consumer complaint received 2024-11-20
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. (NY)

I was shocked to discover inaccurate accounts on my credit report this morning, and I have no idea how they got there. When I checked my report as I normally do, I was startled to see discrepancies appear out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the errors remained. I am now requesting a thorough review of the documents I submitted so I can feel assured that this wont happen again.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (MO)

Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX XXXX XXXX : {$210.00} Due to the inaccurate information this account posts on my credit file, it has been contested. How many times do I need to mention that the payment history on this account is false? I never missed a payment when using this account. My own payment records have been kept, and what they display differs from what I have. Please update the payment history for this account by deleting the late payments from the payment records. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$450.00} In my credit report, this charge-off account is showing an incorrect balance. Why does this account continue to show with {$450.00} as balance although this account was previously a charge off? Charge off accounts should always report balance as XXXX. I've been attempting to update this inaccurate information, but you have not taken any action. I need this account to be deleted as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} I don't recall ever having a customer account with this business. Despite my repeated requests, you have not supplied me any copies of your ownership documentation. Once more, kindly provide me copies of any documents with my signature on them attesting to my ownership of this account or serving as proof of verification. If such documentation are not forthcoming, the account should be immediately closed. 

XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 I think that may be a violation of the Fair Credit Reporting Act, so please examine the docket number and kind of public record. Because it violates the Fair Credit Reporting Act, kindly erase this public record. 

XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019 I want you to check the docket number and the category of public record because I believe it violates the Fair Credit Reporting Act. Due to a Fair Credit Reporting Act violation, kindly erase this public record.
Consumer complaint received 2022-11-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of Georgia, therefore XXXX XXXX XXXX. attempting to conduct business with me is a direct violation. 

I demand this alleged debt to be REMOVED AND DELETED from my EXPERIAN credit report as it is your legal obligation to maintain an accurate report at all times! Failing to delete and remove this collection is a direct violation of my consumer rights! 

The attachment below shows proof that they do no have a license to conduct business in the state of Georgia. Choosing to ignore the fact of the matter is illegal and violates my rights.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.