davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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. (GA)

I believe I am a victim of Identity theft, because these items ( below in the report ) I do not recognize, I think somebody used my personal data and information otherwise I can not understand how they appeared in my credit report. Please figure out the details and remove these accounts from my credit report.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IN)

Experian reduced my credit score six times in one month, yet fails to reflect that I paid off {$9000.00} of CC debt over the last month. This is not a level playing field. Additionally they have me listed as XXXX 'Fair ' credit while XXXX XXXX ( historically a tougher measure ) lists me as XXXX 'Good ' Credit. 

If Experian ( or any of the bureau 's ) is going to SUBTRACT from my score multiple times a month then they also must reflect the POSITIVE aspects of my credit worthiness multiple times a month. Curiously ONLY Experian did this. My attempt to contact them to discuss their uneven playing field resulted in stonewalling. the excerpt of that chat is below. 




Please wait while we transfer your chat to the next available agent. 
Virtual Assistant Unfortunately, there are no agents available at the moment XXXX XXXX  Pst.. are you still there if you do not respond in 1:30 seconds your chat will be disconnected. 
XXXX XXXX  Me respond to whom? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me who programs your chat? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you dropped my credit score six times in one month yet FAILED to recignize that I paid off {$9000.00} in CC debt. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me you do not understand anything. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you are stupid. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me representative. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me operator XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me manager XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me human XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me agent XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me you are as stupid as your programmer. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me I concur. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX Me what do you understand? 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me clearly. 
XXXX XXXX Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me Federal investigation XXXX XXXX  Virtual Assistant Sorry, I didn't understand that. 
XXXX XXXX  Me Federal Trade Commission XXXX XXXX  Virtual Assistant Sorry, I didn't understand that.
Consumer complaint received 2021-07-28
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: SYNCHRONY FINANCIAL (GA)

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company XXXX / Inquiry date XX/XX/XXXX Company Synchrony Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company Synchrony Financial Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company Synchrony Financial XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Consumer complaint received 2023-03-01
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

This may seem like a very minor complaint, but it is not. We live in a world where minor bad security practices with online computer access to credit card accounts lead to very serious problems, and the credit card operations at JPMorgan Chase 's credit card operations have a security problem they could trivially fix, but won't. This would not have been an issue 10 years ago, but now it is.

JPMorgan Chase provides very nice online access to all their products at chase.com. You can see your bank accounts, your securities accounts and your credit card accounts through one common online portal. If you and your spouse both have such online access and give each other a power of attorney, then the bank side and the securities side follow good modern computer security practices and give each member of the couple their own login to see the accounts involved, so there is an accurate audit trail if there is a breach.

The JPMorgan Chase credit card operation absolutely insists the both members of the couple should share their login credentials instead to achieve such joint access. This muddles the audit trail in case of a breach. These days it is important to enforce a strict bar against sharing computer access credentials.

This is a mistake on the part of JPMorgan Chase. You would be doing all their credit card customers a service if you would explain to them that they are making a mistake and should bring the credit card operations using up to the same security standards for this access as the bank and the securities sides of this portal. I have tried to explain this to them via their secure message portal, but the credit card operation has simple decided to ignore all messages on the subject since XXXX XXXX under the mistaken assumption that they are doing the right thing and don't need to hear any advice on this subject from a mere customer. If you would be kind enough to intervene, you would be doing me and other customers with POA access a service.
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XX/XX/2021, I was prequalified for a loan by XXXX XXXX of Bank of America in XXXX, AZ. Her NMLS ID is XXXX. I also was told I qualified for a downpayment assistance grant. On XX/XX/2021, I made an offer on a home and it was accepted. I paid an earnest money deposit of {$3000.00} and was told my closing date would be XX/XX/2021. For two weeks, I had not heard from XXXX or Bank of America regarding a time for the closing. I called, but XXXX never returned my calls. On XX/XX/2021, I was informed that the closing had to be pushed back because the underwriter wanted me to do another income driven repayment plan. I informed them about the moratorium on loan payments, but they insisted I needed an up to date plan. This decision made my student loan payments increase by {$200.00}. After I submitted the new plan, I was told the new closing would be XX/XX/2021. Once again, the day before closing, I was told I needed to submit additional information such as bank statements, etc. I submitted the information and was then told I no longer qualified for the grant program and I would have to pay 5 % down. I agreed, but the came back again stating I needed ANOTHER student loan repayment plan on XX/XX/2021 at the close of the business day. This made it impossible for me get the information because it was the XXXX XXXX XXXX weekend. 

There was a complete lack of communication by Bank of America. If I called, no one answered and I was called at the end of the business day each time documents were requested. The process was meant for me to fail and discriminatory.
Consumer complaint received 2021-08-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION (CA)

My car that was leased through Lobel financial was repossessed back in XXXX. They have since sold the car to someone else. They never gave me the option to buy the car back or even let me know that they were selling it. I found out someone else had the car because I kept getting tickets sent to my address two years after the car being repossessed meaning whoever they sold it to never put the car in their name. They also never let me get my belongings that were in the car when they repossessed it. Now 6 years later Lobel keeps increasing the amount I supposedly owe them every month they increase.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021
Consumer complaint received 2021-08-12
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: Waypoint Resource Group, LLC (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2021-08-08
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. (DE)

These accounts are reporting inaccurate information on my credit reports, Ive tried to speak with the creditors they have not removed this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.
Consumer complaint received 2021-08-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (PA)

I started a mortgage refinance with my current mortgage company - Freedom Mortgage in XX/XX/XXXX. I was told on several occasions that a credit inquiry was not required due to being a current customer. I never authorized a credit inquiry. On XX/XX/XXXX Freedom Mortgage pulled my credit report. I reached out to my loan advisor to find out why this was done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. I received 1 response stating that he would escalate my complaint and get back to me and I've not received a response as of XX/XX/XXXX.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (TX)

To Whom It May Concern : I contacted this company and asked them to furnish my consumer report, I was rudely told " No '' that the FDCPA does not apply to there organization. I am bewildered with anger no this is not the law. The company is furnishing TransUnion with information that infringes on my consumer rights. It is inaccurate reporting. XXXX is claiming I have 2 bankruptcies on XXXX being a chapter XXXX and the other a chapter XXXX.
Consumer complaint received 2021-08-13
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: LEXISNEXIS (TX)

I have sent two letters ( certified mail ) to Lexis Nexis disputing numerous inaccuracies on my LN report, They have failed to respond both times. There is inaccurate information they're reporting that is hurting my credit, and my car insurance is double what it was before they started reporting inaccurate information. These people must be held responsible for what they're doing to consumers by reporting inaccurate information. Here is the tracking numbers for both dispute letters I have sent. Please see to it that they're made aware that they are in violation for the FCRA and I need them to stop reporting inaccurate information. Thank you XXXX. XX/XX/2021 Tracking USPS : XXXX XXXX. XX/XX/2021 Tracking USPS : XXXX
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

These accounts are reporting inaccurately on my credit reports, Ive tried to speak with the creditors directly & they have not removed this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.
Consumer complaint received 2021-08-12
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: NCB Management Services Inc. (TX)

NCB told me they didnt have to close the account they keep attempting to collect and that they were not able to locate a discharge order. Their account was discharged XX/XX/2021. This account needs to be updated with the credit bureaus to reflect as such. The account is no longer collectible and shouldnt remain as a open collections account. I am not responsible for this debt. Failure to comply I will forward to my attorney for further attempts to violate bankruptcy laws.
Consumer complaint received 2021-08-12
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: SYNCHRONY FINANCIAL (UT)

I recently took a look at my credit report and noticed this debt was reporting on my credit file. Amazon is saying I have a " Charged off '' account with them. I have never applied for an Amazon card and I never got a call or receive statements or really anything from Amazon so I'm really confused as to why this is on my credit. I have filed a police report and monitored my other accounts for fraud. This account was not open by me.
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (PA)

Equifax added derogatory marks my credit report per XXXX XXXX. Upon further research these accounts was transferred/sold and I am no longer responsible for the accounts. Debtors creditors did not verify these collections. Also, there was no written form of communication, contract, or signature for the accused debts at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Equifax has violated my rights as a consumer and I am requesting legal action to remove the accounts immediately.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent several letters to the credit bureaus and XXXX XXXXXXXX regarding the bankruptcy and items linked to that being reported. They have not properly or legally verified that information as I received a letter from the Bankruptcy court letting me know that they do not report this information to the bureaus or any 3rd party reporting agencies. XXXX has kept this record after I have disputed this online and by mail. Transunion and XXXX have not resolved or updated me after more than 15 and 30 days.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1500.00}
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open accounts associated with my account. 
I have diligently contacted your customer service department on multiple occasions in an effort to address and correct this matter. During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open accounts on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open accounts on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open accounts. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assistance to correct these late open accounts : XXXX XXXX  Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$11000.00}.