davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than XXXX times. XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2020-12-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (TN)

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -, 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 an account without 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 with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivable Asset Management (CA)

Kramer & Associates recorded my call today without telling me. I asked at the end of the call today if they are recording to which they sad " ALL CALLS ARE RECORDED. '' No notice was given at the beginning of the call. Kramer & Associates have violated Cal Penal Code 632 CIPA The California Invasion Of Privacy Act in doing so. The California statute that defines the crime of eavesdropping. This section makes it a crime for a person to listen in on, or torecord someone else 's confidential communication, Note that California is a two-party consent state. This means all parties to a phone call or conversation must give their consentbefore someone can record it.
Consumer complaint received 2022-12-24
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. (NV)

By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-24
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. (TX)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, XXXX and Experian is reporting late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX or Experian written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2022-12-24
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. (NV)

By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION BUREAU INCORPORATED (TX)

Collection Bureau Inc has been attempting to collect a debt of approximately {$630.00}. It was for a charge to replace the carpet in my old apartment. The carpet didn't need to be replaced, as I explained and demonstrated to the original creditor, with photos of the apartment taken upon my exit. I have disputed the debt over the phone and in writing, with photo evidence. CBI has refused to remove the debt despite the evidence that it is fraudulent, and has refused to remove it from my credit report, even if paid in full.
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Late XX/XX/XXXX, I noticed 2 late payments reporting incorrectly on all 3 Bureaus with XXXX XXXX XXXX and XXXX. I immediately contacted each agency to notify of the error and have the incorrect reporting deleted from my account. The results came back and nothing was done to stop the incorrect data from reporting on my report. 

Regarding XXXX, I have documentation that supports that the account was closed XX/XX/XXXX ; however, a late payment is being reported ( to date ) that I have a late payment reporting as of XX/XX/XXXX. 

Regarding XXXX, I have documentation that supports an on time payment XX/XX/XXXX ; however, a 90-DAY late payment is being reported XX/XX/XXXX. 

The bureaus are reporting my credit history inaccurately causing me defamation and financial damage. 

PLEASE DELETE inaccurate reportings as this has been ongoing since XXXX. 

Thank you for your time and assistance
Consumer complaint received 2020-03-03
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. (TX)

Late XX/XX/XXXX, I noticed 2 late payments reporting incorrectly on all 3 Bureaus with XXXX XXXX XXXX  and XXXX. I immediately contacted each agency to notify of the error and have the incorrect reporting deleted from my account. The results came back and nothing was done to stop the incorrect data from reporting on my report. 

Regarding XXXX, I have documentation that supports that the account was closed XX/XX/XXXX ; however, a late payment is being reported ( to date ) that I have a late payment reporting as of XX/XX/XXXX. 

Regarding XXXX, I have documentation that supports an on time payment XX/XX/XXXX ; however, a 90-DAY late payment is being reported XX/XX/XXXX. 

The bureaus are reporting my credit history inaccurately causing me defamation and financial damage. 

PLEASE DELETE inaccurate reportings as this has been ongoing since XXXX. 

Thank you for your time and assistance
Consumer complaint received 2020-12-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called Transunion on or about XX/XX/2020 to dispute an item as duplicative on my credit report ; however, it was difficult getting the telephone rep to place the dispute due to a language barrier, and the tech was argumentative and inattentive. I just received the dispute results this XXXX, and was shocked to discover the wrong item was disputed. The dispute was for a student loan amount that a mortgage company stated was duplicative. The item disputed was {$170000.00}, but Transunion disputed an item in the amount of {$17000.00}. This is an egregious mistake to make when disputes are often not allowed to be resubmitted. Consumers depend on credit bureaus to keep their credit records secure and correct and to properly investigate disputes because credit issues dictate their lives. This is unacceptable and is not surprising, as Transunion has a track record of receiving and not removing inaccurate information from consumers ' credit reports -- collects trash.
Consumer complaint received 2019-04-16
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. (CA)

one public record is reporting under my experian credit file, which i have never filed any bankruptcies, only experian is reporting this inaccuracy and i have placed few disputes but so far it has taken me no where, i will be attaching the few documents that i had also provided experian. please find attached the documents. 
this inaccurate bankruptcy does not belong tome, this is someone else information reporting under my name, please help me to dispute and remove this inaccuracy from my credit file thank you
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

My social security was stolen to open a fraudulent account in my name without my permission. I filed a Identity theft report and contacted XXXX XXXX XXXX and the credit bureaus. The account was removed from the credit report and the company XXXX XXXX XXXX sold the account to LVNV Funding. I have contact both parties to remove the fraudulent account from my XXXX credit report.
Consumer complaint received 2024-03-18
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)

I received my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2018-02-02
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. (MI)

This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.
Consumer complaint received 2024-03-18
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. (NY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-25
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. (CA)

In XXXX of 2020 XXXX XXXX XXXX XXXX closed my account because I wouldn't physically go to the Post Office and mail my ID. So now I come to current time they run my credit I agreed to let them open one of my credit cards was it had to do with them so I agree to let them reopen one that they had closed the one I let them reopen was the one with the lower credit limit, so they send me my credit card I'm going my son pay my bill on time everything 's going fine I checked my credit report and they're reporting the wrong card the reporting the car that they still closed in every open and is the one with the higher credit limit they're reporting it I don't have that account when I log into my online account the credit card is on there is a credit card that I have but they have been reporting the wrong account for like eight months and they won't fix it. It is exactly like the XXXX lawsuit going on. It's been eight months I've I complain to them a complaint to the credit bureau I talk to a lawyer they will not remove the wrong account earlier this year that account was closed due to no fault of mine and somehow they are mistakenly reporting the wrong account on my credit reports all three of them and they have been doing for 4 months and they will not fix it so now I'm a credit report it says something like for charge-offs is reporting that I'm not paying every month when that is not even the card that I have and they refuse to fix it. I filed multiple complaints with you guys and that's the only reason why they fix the first mistake and let me open the account back
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX at XXXX XXXX Western time, two unauthorized transactions were made on my Chase checking account. One was made in XXXX XXXX, California at XXXX of {$200.00} and the second in the same location, day and time of {$300.00}. Chase Fraud called me at approximately XXXX. I told them I did not make those purchases. They closed my debit card and issued me a new one. The Following day XX/XX/XXXX they issued the credit back to my account. XX/XX/XXXX, in the evening I received a notification of insufficient funds in my account. I immediately called Chase and they stated that they reversed my claim but wouldn't give me a reason as to why. The customer service rep asked me if I put my pin number on the back of my debit card. I denied and she stated she would put that information into the claim and resubmit it. I would get an answer in 3-5 business days. Chase left me with $ XXXX in my account and continued to charge me for having insufficient funds. 6 days later I receive no information on my claim so I call Customer Service once again. They continue to tell me that my claim has been denied because my pin number was used during the transaction. Later that day I headed to the Chase Branch in XXXX XXXX, WA on XX/XX/XXXX. I talked to Personal Banker, XXXX XXXX XXXX. He seemed really surprised and stated that THREE other customers came in the last few days about the same exact issue, with the same exact transactions. It surprised me because this town is extremely small.Their fraud transactions were also made at XXXX in California. 

He continued to call chase fraud department. They didn't seem convinced.He told me that he would try again tomorrow and give me an update then. Two days later I get an update and he states that he called five different departments, and they still denied my claim, and added that one of the people he talked to would add more details about my case to the system. He advises that I call Chase Claims and see if they will reopen my case with the new details that were added. I immediately called and they stated they will not reopen my case unless I have proof of my exact location the time of the transactions. I thought that me living in two completely different states would be enough but I guess not. I also used my debit card at XXXX that same day of the fraud transaction ( XX/XX/XXXX ) at a DMV in XXXX , Washington . It clearly shows on my bank account but they still refuse to give my money back. Also my last name was changed during this process due to the fact that I'm married and my maiden name was on my previous debit card. It changed from XXXX XXXX to XXXX XXXX.
Consumer complaint received 2022-12-24
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. (TX)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion, XXXX and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion, XXXX or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!