davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a 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 2023-06-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Last month I got my annual credit report and there were a lot wrong information and inconsistencies on my report I take action right I wrote the credit report bureau right away. the point out the problems on my report and for the the fix the errors, I wrote the letters on the XXXX of XXXX today is the XXXX XXXX I have yet to receive any information or correction from on my report.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

My credit report has been placed for identity theft and frozen long time ago. My credit report info was on the XXXX web and is still trying to remove transactions that are not mine. They keep calling my number about an account I do not owe or own!! They will not stop calling after, I told them to stop calling or I will have to sue them for phone stalking and lying about their identity. I found what their real company name was on the internet using their phone number ( XXXX ) XXXX. I do not have any paperwork from them stating I owe anything, and they are not on my report. They told me it was student loan debts, and I was behind. My loans are in default since XXXX and never late. Please have this company to stop bothering me and delete whatever debt they are trying to collect from the on the behalf of another company that sold them a XXXX on a XXXX  contract they believe is mine without sufficient evidence. like I said my reports are frozen and I can't see them online. So, if they did put something on there have them to delete it. 

Credence Call dates/ Times XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX
Consumer complaint received 2020-02-19
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. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2023-10-17
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. (NC)

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.

has violated my rights. Or a list of inquiries : 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong 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 2022-12-18
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. (MA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (NC)

My mortgage was being transferred, I made repeated calls to CASHCALL to ensure that there would not be an issue with my monthly payment as the transfer of loan was to occur shortly after the normal auto-draft takes place. 
The auto-draft was set up for the XX/XX/XXXX of every month my loan transfer was to occur on the XX/XX/XXXX. ( XXXX EST ) I spoke to several people at CashCall who assured me that the payment would go through without issue and then the new servicer ( XXXX XXXX XXXX  ) would take over. On the XX/XX/XXXX I called CashCall as the auto-draft was not taken out of my checking account, I spoke with XXXX ( ID # XXXX ) who informed me that because the XX/XX/XXXX happened on the weekend that it was delayed but not to worry as it will be taken out and the information would be transferred to XXXX. 
On the XX/XX/XXXX ( XXXX EST ) I received a debt collection call from XXXX asking for a payment. I confirmed that no payment had been withdrawn from my checking account. On the XX/XX/XXXX I called CashCall ( XXXX EST ) again and spoke with XXXX who had no sympathy for the situation and just said that I needed to set up a new payment with XXXX. I was then transferred to XXXX who had a little more compassion but was only able to reiterate that she could offer no additional solution. 
The fact that I was assured that the payment situation was being taken care of makes me believe that the transfer of the loan is set-up to require additional work for the customer in the hopes that payments are late so that additional fees/APR can be garnered from the individual. I understand that there is a grace period where fees and APR issues can not occur but without additional checks by the customer this period could have easily past. This practice needs to stop.
Consumer complaint received 2022-12-18
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: LEXISNEXIS (NV)

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am asking CFPB to investigate this matter further. I am not XXXXXXXX XXXX sure the XXXX credit reporting agencies is doing me a disservice in investigating the wrong doing of a XXXX party reporting agency LexisNexis and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a consumer I have contacted the matter at hand. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and asked them a question, Do you report the case in court to the credit bureau? The clerks response, The XXXX XXXXXXXX does not report information to any credit bureau. Almost like hippo for medical records. I send a certified letter to every credit bureau to remove the illegal reporting fragments. They all stated verified and corrected.
Consumer complaint received 2021-02-18
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: OneMain Finance Corporation (OH)

During this pandemic i am having problems just like all Americans and main financial rep at the branch told me that i would not report negative During this pandemic ... i am having problems just like all Americans and main financial rep told me that everyone is having problems and that main financial is not reporting negative on the credit report ... i said over and over are you sure, because i will borrow the money so i would not have a negative impact on my credit, she stated over and over we will not report you if you keep your arrangements. i made arrangements with the rep and gave her my new checking information and come to find out she was still using my old checking information ... i called the manager XXXX to fix her mistake, just like she tricked me and stated i would not be reported to the credit bureau. XXXX said i am so glad you called. we still have your old checking information and not the new checking info, i been with them for 2years and i have expressed my hardship over and over to them. This is not fair and right because all my other creditors are working with me and i am not understanding why main financial would put a mark on my credit knowing i have been in conversation with them every step of the way. I believe the rep told me that lie because she gets credit for making a payment arrangement with me and i hope she does not get credit for being very deceitful and dishonest.
Consumer complaint received 2022-12-18
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. (GA)

The Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681g is a federal law that gives consumers the right to access documents related to their credit history. This law ensures that companies who maintain, transfer and provide information about consumer 's creditworthiness are required to disclose certain documents upon request from the consumer. The FCRA outlines the type of documents that must be disclosed including those regarding account status, payment history and other important information that may affect an individual 's financial standing. 

Under section 1681g of the FCRA, any individual can submit a written request for disclosure documents pertaining to their personal information which should include any records maintained by the agency such as a credit record or investigative report.
Consumer complaint received 2022-12-18
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-18
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. (VA)

I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, TransUnion, XXXX, XXXX, Lexis Nexus Core Logic, or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.
Consumer complaint received 2022-04-15
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: Westlake Services, LLC (GA)

Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
Consumer complaint received 2023-10-04
Product: Credit 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: Bread Financial Holdings, Inc. (CA)

I am writing about the repeated obfuscation by Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX Credit Card ) for the dispute that involved a {$1000.00} charge with XXXX that took place in XXXX of XX/XX/XXXX. I never received the product and have contacted the merchant with no resolution. From XXXX thru XXXX ofXX/XX/XXXX, I have begun hour-long phone calls several times a month with Comenity, speaking with over 30 customer representatives to inquire about the disputed charge and to attempt to proceed with a fair investigation process. Each representative told me a different story, contradicting one another, transferring me to 5+ agents in a single phone call, having me wait hours on the phone, only to reach no resolution at the end of every ordeal. But the commonality remained : Comenity was deliberately obstructing a fair investigation process and attempted everything at its disposal to not refund its customers the money that they have lost. 

After months of dealing with the wrong account protection department, I was finally transferred to the right dispute department on XX/XX/2023. However, on XX/XX/2023, the dispute department closed my dispute case and claimed they have finished their investigation in merely 3 days. When inquired about what evidence they have and what their investigation entailed, I was met with silence and further obfuscation. I have written an appeal letter. However, I was told through 4 layers of escalation that the appeal will have little impact on the investigation.
Consumer complaint received 2023-06-24
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. (AL)

Hi, on XX/XX/XXXX I started receiving several inquiries. The inquiries have turned into actual accounts and need to be closed and removed immediately. I added a fraud alert on my credit report on XX/XX/2023. Per the alert, I am supposed to receive a call confirming the validity of each account before it is opened. Two companies failed to do so and failed me as a consumer. The companies are listed below : XXXX XXXX XXXX XXXX XXXX Each company has already been contacted and nothing has been resolved thus far.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On Saturday XX/XX/2021, I opened a checking account at Chase. There was no mention that Chase was going to review my account worthiness. Then I received a letter in the mail on XX/XX/XXXX, that Chase was closing my account on XX/XX/XXXX, the letter was dated XX/XX/XXXX. They didn't send me an email or even call me, they just sent a letter that could take a while to get to me, which it did. I had already received my debit card and changed all my bills over to Chase. On Monday XX/XX/XXXX, I called Chase at XXXX to find out why they were closing my account after I just opened it. I talked to XXXX and he stated after reviewing the account Chase decided they could " No longer manage my account ''. I asked which reporting company they received this information from and he would not provide me that information. I then asked to speak to his supervisor and after waiting for 20 minutes, XXXX came on the line and she would not provide me the information either. She just kept stating in the terms and conditions that I signed Chase has the right to close my account.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (PA)

I asked Experian to investigate the inaccurate reporting for an account appearing on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, because of inaccurate and unverifiable payment history. 

Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY, Experian is required by law to update, correct or delete this account. Experian did neither ; the status updated for this account still remains as XXXX XXXX XXXX  The notification sent to me stated the item was " verified and updated '', but it was not updated, nor was it independently verified. 

Experian uses e-Oscar, which does not qualify as conducting an independent investigation of my disputes. If Experian conducted a reasonable independent investigation, they would have removed the account because of the missing payment history. Experian failed to conduct my dispute investigation. The account is still reporting on my credit file with incomplete information, which makes it eligible for permanent deletion.
Consumer complaint received 2022-12-18
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. (GA)

To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXXXXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Consumer complaint received 2022-09-13
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. (MO)

Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXX XXXX  for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.
Consumer complaint received 2022-12-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX Account # 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