davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (WV)

According to the West Virginia Secretary of State, as of XX/XX/2023, XXXX XXXX XXXX have XXXX ( XXXX ) Liens filed. XXXX XXXX XXXX is not indebted to any Corporations. 

Please see Attached documentation.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXXBalance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
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 companies are reporting fraudulently opened accounts under my name and are tarnishing my credit report. The first account is XXXX XXXX XXXX which was opened fraudulently on XX/XX/XXXX. The Second fraudulently opened account is XXXX XXXX opened on XX/XX/XXXX and the third fraudulent account opened without my consent or permission is XXXX XXXX XXXX opened on XX/XX/XXXX.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

FTC REPORT ATTACHED AS PDF IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative 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 information. However, such information shall not include specific 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. both stated accounts were removed from XXXX  so please tell me how you verified this information to be accurate?
Consumer complaint received 2022-11-10
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. (NJ)

FTC REPORT ATTACHED AS PDF IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative 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 information. However, such information shall not include specific 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. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate?
Consumer complaint received 2022-11-10
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-06-07
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)

I received My Credit Report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These XXXX inquiries are hurting me from getting approved.I already reached out to the credit bureaus about the multiple times they keep violating my rights under 15 USC 1681b. I have also Attached the hard inquiries that do not have permissible purpose to be on my credit report
Consumer complaint received 2022-11-10
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. (MD)

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-09-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

After my private loan, rate reduction plan expired I was offered a renewal by email pending my financial statement. I supplied my financial statement as requested and received more emails threatening to return to {$5000.00} per month payments if I did not renew. After calling to inquire, I was told that the interest rate would be doubled for the renewal, raising my payment beyond the unaffordable payment of $ XXXX/mo I was already paying for the {$270000.00} in private navient managed loans. I lieu of my other private loan payment of {$240.00} per month for a {$26000.00} loan, and payments to DOE for $ XXXX/mo on a {$500000.00} note, as well as other credit cards of $ XXXXmo, and car payment of $ XXXX/mo, a larger payment would not allow my family of size XXXX, with a XXXX wife, to eat or pay for childrens insurance nor educational expenses. When calculated without the private loan payment my disposable monthly income is currently {$210.00} dollars. I make an adjusted gross income of {$65000.00} per year and my wife is unemployed, as she provides childcare to our XXXX and XXXX year olds. My next resort appears to be bankruptcy, and I realize it is a barely even a temporary solution.
Consumer complaint received 2022-11-10
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. (TX)

You can pull up my previous complaint if easier CFPB # XXXX. 

If not here we go. 

On XX/XX/2022 I was notified of an unauthorized hard credit inquiry on my Transunion Credit Report. My credit score at the time prior to this inquiry was XXXX. As a result of this inquiry my score dropped XXXX points on XXXX XXXX. I have been in contact with TransUnion and have gotten nothing but the run around. 
Today I received notification from TransUnion ( file number XXXX ) that my dispute request does not appear, which I was already aware of. The problem is TransUnion refuses to correct my credit score. 
Here is what I know about my score from XXXX XXXX  : XXXX XXXX XX/XX/2022 XXXX ( a drop of XXXX due to unauthorized credit inquiry )XX/XX/2022 XXXX ( a drop of XXXX due to balance increases ) XX/XX/2022 XXXX  ( a drop of XXXX due to balance increases ) XX/XX/2022 XXXX ( a drop of XXXX due to balance increases ) XX/XX/2022 XXXX  ( a increase of XXXX due to balance decreases ). 

I want to know why my score has not been adjusted for the ILLEGAL hard inquiry? 

I know that this has happened to more than myself according to the associate I spoke with on XXXX XXXX. 

A law suit is being filed on my behalf if TransUnion does not respond by XXXX XXXX.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

A check from a major insurance company was deposited at a drive through window at the Regions Bank branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XX/XX/2023. The next morning an e-mail was received notifying me of a hold placed on the check until XX/XX/2023. Checks from the same insurer had been deposited, in the same manner, at the same branch previously with no issue, although a brief ( <24hr ) hold had been placed on a check from the same insurer in XX/XX/2023. That was resolved by contacting the branch manager. No reason was given for that hold or the current one. I have contacted the branch manager, in person and by phone, Regions customer service, Regions priority banking, and used secure text messages. No explanation has been provided and the situation remains unresolved. This does not appear to be a federal or state regulatory requirement. Two other local and one national financial institutions have informed me that they would not have placed a hold on this check if deposited with them. The action taken by Regions is arbitrary, capricious, and unwarranted. I have been a customer for 15 years.
Consumer complaint received 2022-11-10
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. (DE)

my is XXXX XXXX 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 Account number XXXX Account name XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-04-01
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Traveled to XXXX XXXX XXXX in XXXX, XXXX and was approached by a gentleman selling liquor. I was interested in purchasing some liquor to bring back home to Texas. When it was time to charge my credit card I was verbally told the amount would be XXXX XXXXXXXX XXXX. The cashier tried swiping my credit card multiple times and I was told the card was being rejected. Something felt off about the situation as I am usually alerted by my bank if any fraud charges are being attempted but this time I was not called or sent a text message by my bank. Not sure if it was because I was out of the country or not but it did not sit well with me. As I was going to decline purchasing, a man from the store ran around the corner of the block and brought another terminal to swipe my card. The charge went through and I signed off on the receipt to take the liquor I purchased. The actual charge was not what I was told, instead it was XXXX XXXXXXXX XXXX. I tried to dispute this fraudulent charge scenario with my bank but they did not issue my money back. The customer is clearly taking advantage of people by psychologically tricking them to " ignore '' the actual amount when it is time to sign off on the receipt of the purchase. This is not acceptable and I should be reimbursed my money.
Consumer complaint received 2023-08-08
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. (FL)

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. 
Account Name XXXX XXXX XXXX Account Number 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. 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 2024-04-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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 rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MO)

I signed up for an Aeroplan Chase Credit card in XX/XX/2023. 

The card came with a sign-up bonus of XXXX points after I met the spend criteria of {$4000.00} on purchases in the first three months from account opening. 

I was able to meet the criteria by XX/XX/2023 and was eligible for the sign-up bonus. 

Chase issued the bonus and transferred the points to my Aeroplan account with XXXX XXXX. However unbeknownst to me, Aeroplan had a block on my account which prevented the points from being reflected on my account. 

After much back and forth with the compliance department at Aeroplan, the block was lifted in XX/XX/2023 and there were points that were successfully transferred from Chase to Aeroplan in XXXX. 

However all the preexisting points ( including the XXXX bonus points ) have never been credited to me. I have contacted Chase and Aeroplan several times on this matter and the issue remains unresolved. Aeroplan representatives have told me that Chase needs to " regenerate '' those point transfer requests from prior to XX/XX/2023 but Chase has not been able or willing to do that. 

I have sent them multiple messages ( please see attached documents ) on this matter. 

In addition, I have spent cumulatively over 5 hours on the phone trying to rectify this situation and have not gotten anywhere. 

I would like to request the CFPB to advocate on my behalf. 

Regards, XXXX