davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (OH)

ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.
Consumer complaint received 2021-09-05
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: DISCOVER BANK (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2021-09-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX, XXXX sent first dispute letter out for my accounts ( certified mail ) no response XX/XX/XXXX, XXXX sent first dispute letter out for my inquires ( certified mail ) no response XX/XX/XXXX, XXXX sent 30 day comply letter out for my accounts ( certified mail ) no response XX/XX/XXXX, XXXX sent 45 days inquiry letter out no response attached I have the letters and the certified letters.
Consumer complaint received 2020-03-31
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. (NY)

I received a copy of my credit report # XXXX and while disputing some items that need to be deleted. When I requested an investigation no protocol under the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], was followed by EXPERIAN. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX XXXX   XXXX  Partial Acct # XXXX Unverified data and contract XXXX   XXXX  XXXX  Partial Acct # XXXX Unverified data and contract XXXX XXXX XXXX  ADDRESS ID # XXXX Unverified data and contract According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have been reviewing my consumer report on a daily basis along with noticing the inaccuracy of my consumer report in the personal info section of the report. I called on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of the reporting agencies speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. Also this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been reviewing my consumer report on a daily basis along with noticing the inaccuracy of my consumer report in the personal info section of the report. I called on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of the reporting agencies speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. Also this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer.
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE UNAUTHORIZED INQUIRIES DO NOT BELONG TO ME, THEY HAVE BEEN VERY HARMFUL TO MY CREDIT REPORT, THEY HAVE YET TO BE VALIDATED & I AM ASKING YOU TO PLEASE REMOVE THEM ASAP, THESE FRUAD INQUIRIES MUST BE REMOVE THANK YOU XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have been reviewing my consumer report on a daily basis along with noticing the inaccuracy of my consumer report in the personal info section of the report. I called on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of the reporting agencies speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. Also this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

XXXX : Acct. XXXX To Whom This XXXX Concern : As i have not heard back from " Equifax '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, i XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2022-06-02
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)

In accordance with the Fair Credit Reporting act XXXX (  Original Creditor : XXXX XXXX XXXX  ) # XXXX, XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX ALL 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 2022-06-02
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. (IN)

There is an inaccurate and unverifiable account on my credit report. Other credit reporting agencies have removed the derogatory item, but Equifax has not responded to any of my requests, and the item still remains on my report stopping me from getting a loan approval.
Consumer complaint received 2022-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (PA)

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g ( b ). I have right to dispute this debt. As stated in my cease and desist I am also invoking my right not to be contacted by no other means but through written mail. DIscover Financial services has violated my cease and desist by continuing to harrass me by phone attempting to collect on a debt that is in dispute. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court. Furthermore Discover Financial Service is in violation Pursuant to 15 USC 1692c. I never gave them permission to contact me by phone. I clearly sent them a cease and desist notifying in writing that I the consumer exerciser my right to cease further communication through any medium other written mail.
Consumer complaint received 2022-06-02
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. Accounts Below : US DEPT ED # ACCOUNT XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX US DEPT ED # XXXX XX/XX/XXXX XXXX  XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX XXXX XXXX # ACCOUNT XXXX XXXX ACCOUNT XXXX XX/XX/XXXX CHAPTER XXXX BANKRUPTCY # ACCOUNT XXXX XX/XX/XXXX
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I, XXXX XXXX XXXX XXXX experienced identity theft on XX/XX/2022. 

TD Bank Account : In my name a checking account was opened : XXXX savings account information : XXXX I did call and communicate with the company that this was fraudulent.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC (HI)

We were in the process of selling our home and purchasing a new home. We were set to close on XX/XX/XXXX. The mortgage broker, Success Mortgage Partners , Inc., already gave us final loan approval. The property appraised over purchase price. We had the home " tied-down '' to code to qualify for the conventional loan. The tie-down cost us {$2900.00}, plus the engineer report at {$350.00}. 

The mortgage broker called us today to inform us that because we were purchasing a manufactured home, the " investors '' were no longer going to honor the loan. They completely backed out of our agreement and we are now left to find another lender with closing scheduled on XX/XX/XXXX. 

We have to move out of our current home by XX/XX/XXXX. Because of the mortgage broker 's decision to breach the agreement between us and them, we now do not have a lender and if we do not get another loan, we will not have a home as of XX/XX/XXXX. 

After speaking to the mortgage broker 's legal department, we were informed that they would not release to us the name or entity that was the " investor. '' They refused to supply us with the contract between them ( broker ) and the " investor. '' They also did not tell us under what legal authority their decision was grounded upon.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have contacted Experian, XXXX and XXXX via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also XXXX will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

My business banking account with Chase was hacked for a 2nd time in 13 months. The first time, I was provided a temporary credit and case was closed within 18 days. Chase did NOT flag my account. On XX/XX/2022, I discovered the account was again missing money. They sent me the fraud packet 2 WEEKS later. Their own paperwork provided the incorrect fax number. I had branch manager submit to correct fax number. Still no credit from Chase. Learned yesterday they wanted me to fax it to ANOTHER number. Branch manager did this through his internal system. I have no money, my stellar 25 year reputation in my industry is at risk because I can't pay my vendors. I want my money and my life back. If I live in XXXX, GA why was someone allowed to go into a Chase in XXXX and attach a savings account to my business account? Why didn't someone pick up the phone and call me? Why wasn't this account flagged? I want my money back as soon as possible. I am taking to all social media to make other small business owners aware that Chase 's " fraud protection '' is a JOKE
Consumer complaint received 2022-02-03
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 : Recently I viewed my credit reports and realized that there was a derogatory account reporting on XXXX and Experian. I have no recollection of ever opening this account and believe it to have been opened fraudulently under my name. 

I do have, and am very happy with, an open account with XXXX XXXX My only concern is the account that appears to have been opened in XX/XX/2017.
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. (CA)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-06-02
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: Experian Information Solutions Inc. (NJ)

In short, Experian just told me they don't require any proof of debt whatsoever in order for a company to put a collection in your credit file, and all they have to do to counter a dispute is to say it's real. 

I have a collection regarding some random company I've never heard of and I've been unable to reach the collection agency, so I filed a dispute with Experian ( for some reason they are the only agency that is reporting it ). 

In the end, they said the collection agency said it was legitimate but when I inquired with Experian as to what proof they had sent, they responded with 'the proof resides at the collection agency- they just responded with a confirmation that the debt is accurate '. 

This is literally insane - what they basically told me is that anyone could send them a collection, accurate or otherwise, and they just ding your credit without any actual documentation or proof, and if one disputes it all the company has to do is say 'it 's legitimate '.

This can not possibly be in the spirit of the mechanism the agencies agreed to as the burden of proof simply doesn't exist at any step in the process. How is it that this is even remotely acceptable, let alone legal?
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase Sapphire Preferred card with Chase Bank. After 10 days of opening the account and 1 day after receiving my card, they told me there was a mistake by opening my account since there was a consumer alert on my XXXX account. I'm in the process of updating my information so all of my identification is correctly statement on my credit reports.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been trying for months to get the due date changed on the account. Capital One Auto Finance refuses to do so claiming it is not possible. The loan company knows that I do not get paid until the first of the month. I am a XXXX veteran at XXXX % XXXX as rated by the Department of Veteran 's Affairs. This is causing larger and larger amounts of interest to be assessed by the loan company and they know this. They are utilizing this to get more money from me in the end. I need the CFPB to help get this resolved as they are refusing to do so.
Consumer complaint received 2022-06-02
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: AMERICAN EXPRESS COMPANY (CA)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Consumer complaint received 2022-06-02
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: NAVY FEDERAL CREDIT UNION (CA)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.