davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-16
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. (TX)

Equifax credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   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 2018-04-26
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: JPMORGAN CHASE & CO. (TX)

To Whom It May Concern, XX/XX/XXXX I, XXXX XXXX, scheduled and underwent a XXXX  XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I paid a XXXX dollar deposit :XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which was required in order to hold a XXXX date. The charge was deducted from my Chase credit card. I was informed the deposit would be deducted from the total cost of the procedure which was XXXX. The total cost of the procedure was XXXX, which was deducted from my XXXX XXXX account on XX/XX/XXXX. I was also informed if I was going to pay cash, the amount of the procedure would have cost XXXX but because I financed the procedure, it would cost XXXX. I have contacted XXXX XXXX several times since my procedure in effort to request the {$300.00} and {$200.00} deposits back to my Chase credit card. Each time I call, I am told someone will call me back. I have not been successful resolving this issue. I demand XXXX XXXX return {$500.00} to my Chase credit card immediately because I was charged the full financed amount of XXXX on XX/XX/XXXX to my XXXX XXXX account, which I have attached a copy of my billing statement to this complaint as proof. Ive paid a total of XXXX and should have only been charged XXXX. Please resolve this issue ASAP. Please forward correspondences to : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX or email address : XXXX Thanks, XXXX XXXX
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

As of today XX/XX/22 you are trying to get me to pay {$68.00} and I have no idea for what?? I need more information on what I am paying for because to my knowledge I don't owe anybody anything! To harass me like this is with constant phone calls and letters is distracting me from my work and concentration in my life cause now I got ta deal with all this. I want extreme detail on why I am receiving these letters and calls.
Consumer complaint received 2023-08-14
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. (TN)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX I contacted XXXX in regards to erroneous information on my report as I was trying to buy a home. I provided information for accounts that had been paid, accounts put in my name that were not mine that I paid anyway. XX/XX/XXXX, I provided XXXX information for accounts they are showing again me that were paid by a Workers Comp Claim. To this date XX/XX/XXXX, XXXX refuses to update the information. Currently they are even showing I have 4 accounts with negative information but they are only reporting 3 accounts with negative information which is still erroneous information being reported. I have become homeless due to these mistakes and at this time will seek Attorney. I have all documents which have been given to XXXX over and over for years now! The also refused to update my credit score with XXXX XXXX accounts reported to them per my creditors.
Consumer complaint received 2023-03-31
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19
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)

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.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently reviewed a copy of my credit report and learned that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report. The following are fraudulent accounts being referenced : US DEPT ED {$9800.00} US DEPT ED {$9000.00} US DEPT ED {$6200.00} US DEPT ED {$4800.00} US DEPT ED {$4000.00}
Consumer complaint received 2023-08-17
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: Bread Financial Holdings, Inc. (FL)

As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublicpersonal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial institution may NOT disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' None of these credit agencies ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code Section 1681 s-2 ( A ) ( 1 ) A states " 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. The code also states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Consumer complaint received 2024-04-02
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 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 Account Name : XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-14
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. (FL)

Dispute for XXXX years back with no response to or from the attorneys acknowledging it. 

In process of buying a home ( close XX/XX/23 ) and denied by nearly all lenders unless I ( myself alone, this did not effect the joint person on the account ) pay the debt up to. 

Showing up on TransUnion and XXXX as two different " delinquency 's '' but also shows closed. 
This does not show up on XXXX. 

This should not be on my reports, as it does not effect my credit score but is halting me to get a loan.
Consumer complaint received 2023-08-14
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. (TX)

On XXXX of XXXX  Myself and family where dealing with XXXX related emergencies and were unable to pay our mortgage on time. Before and after those dates we have not been late. I explained to the Credit Bureaus the situation and pleaded for some grace on those 4 consecutive months. The late payment is really hurting my credit and preventing me from getting a loan my family really needs. Please any help would be great. Thank you
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XX/XX/16 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 2024-08-11
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information Transunion Please delete the following accounts XXXX bal. {$520.00} XXXX XX/XX/XXXX XXXX bal. {$670.00} OPEN XX/XX/XXXX XXXX bal. {$360.00} OPEN XX/XX/XXXX XXXX bal. {$130.00} OPEN XX/XX/XXXX XXXX bal. {$340.00} OPEN XX/XX/XXXX XXXX bal. {$170.00} OPEN XX/XX/XXXX XXXX bal. {$270.00} OPEN XX/XX/XXXX XXXX  XXXX  bal. {$850.00} OPEN XX/XX/XXXX XXXX XXXX XXXX bal. {$11000.00} OPEN XX/XX/XXXX XXXX XXXX  bal. {$1300.00} OPEN XX/XX/XXXX XXXX  XXXX bal. {$500.00} OPEN XX/XX/XXXX XXXX bal. {$2400.00} OPEN XX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am writing to you in my continued efforts to resolve a deeply distressing matter concerning inaccurate and unauthorized information on my credit report. The violations I will outline below, which have left an indelible mark on my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The listed violations are as follows : Incorrect Personal Information : Incorrect Previous Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The impact of these violations on my life has been profound and overwhelming. The inaccurate information on my credit report has hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle. It has shattered my sense of financial security, leaving me XXXX and uncertain about my future prospects. The emotional toll of this situation is immeasurable, affecting not only my financial well-being but also my overall quality of life. 

I implore you to consider the emotional and financial distress that these violations have inflicted upon me. As I share my personal story, I beseech you to enforce the legal remedies available to ensure the accuracy and integrity of my credit report. In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my financial stability.
Consumer complaint received 2021-03-19
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)

I started a dispute early last year. I have postal documentation showing another dispute was received by the company on XXXX XX/XX/XXXX and ( Transunion and XXXX  ) XX/XX/XXXX. I received no response other than verified. I called Transunion on XX/XX/XXXX and spoke with XXXX at XXXX requesting further investigation under FCRA section 611. I spoke with XXXX at XXXX on XX/XX/XXXX at XXXX XXXX. I spoke with 3 reps ( ( XXXX, XXXX XXXX ) and was ultimately transferred to XXXX in special department at XXXX XXXX on XX/XX/XXXX. I asked for details other than just verified because there were still discrepancies for the XXXX XXXX XXXX account that was deleted on XX/XX/XXXX and reinserted without notice, XXXX, XXXX XXXX and XXXX XXXX. None of these accounts have been investigated properly. I asked for further investigation and received no response. It has been well past the timeframe allotted to update/modify or delete the accounts after a reasonable reinvestigation into the discrepancies.
Consumer complaint received 2023-06-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

Universal AcceptanceXXXXCar XXXX XXXX XXXX XXXX MN the account was closed on XXXX XXXX its XXXX old it should have been dropped off my report, I paid it off in XXXX  it should have been off my report.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (CA)

I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (VA)

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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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.

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 2017-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc. (TX)

On  XXXX   XXXX   Blake Whitt pl aced a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,   XXXX   but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to respond to. Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau.