davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. Lexis Nexis and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a XXXX, XXXX, and XXXX. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by Transunion and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector XXXX XXXX XXXX so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Total Card, Inc. (TX)

Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX notifying them that my XXXX  credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX  credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. 

As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.
Consumer complaint received 2024-01-02
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. (CA)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00}.
Consumer complaint received 2021-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-12-31
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. (TX)

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. 
1. ) XXXX XXXX XXXX XXXX : # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-26
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, 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
Consumer complaint received 2022-12-31
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. (NV)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

TransUnion XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (AL)

Since XX/XX/2019, I have been in constant contact with the company wherein " late fees '' have been charged to my auto loan. My acct comes due on the XXXX of every month, and I have made every payment ( less one ) on the XXXX, XXXX, or XXXX depending on which day my payroll falls at the first of the month and immediately drop it in the mail. This was understood by me and the company when I purchased this car and was told this wouldn't be a problem. On the single one late, I gladly paid late fees for is wasn't the companies fault. 
With the combination of where I mail my payment in, and the way the company processes my payment, it generally never clears my account for 8 - 10 days. 
Because of this time frame, the company insist that this is my fault and I have to pay additional fees therein. 
Granted this is not a large amount, but there is a principle involved. 
I have made every effort to speak with the company and they treat me extremely rude and continue to say this isn't their problem but mine. I have 3 payments left on this loan and today they have told me as long as I have late fees outstanding, I will not be given my title and they can repossess my car. 
This is not right in my book and would appreciate any help you can give.
Consumer complaint received 2021-06-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TFC Credit Corporation of California (NY)

TFC Credit Corporation, has contacted me concerning a debt of {$2700.00} in which I don't owe. # XXXX is supposed to be my account number, I was told the said contract began on XX/XX/2021. I did not sign any contract nor was I active in any school at that time. I have called TFC and requested a copy of contract, they stated it was sent to me. However, I haven't received any as of yet. 
On XX/XX/2021, the above claim of debt was placed on my credit report, lowering my credit score. I am also experiencing repeated collection calls for this debt in which again, I do not owe.
Consumer complaint received 2021-06-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobel Financial Corporation has contacted my employer to collect on a debt that is eight years old. The statute of limitations has ran out from when it originated with the original creditor. According to the state of California, the statute of limitations is four years. This company has contacted my employer that is laying me off XX/XX/2021. The garnishment of 25 % is to take place on XX/XX/2021. This debt is not on any of the credit reporting agencies.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc. (GA)

COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX This is my complaint id. I was told the inquiries would be removed from my credit report in 30 days and a follow up contact would be made with me. The inquiries are still there. I understand one would remain. I still see 6. This is unacceptable. I should not have to continue to spend time disputing this due to the negligence of your former employee XXXX XXXX with Prosperity Mortgage. Please have XXXX remove the inquiries aside from the one that should in fact be there.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

We, wife and I, have been hacked of our personal information 6 times now. This has been going on for over a year. We have had money stolen from our accounts. At first PNC was good at getting things taken care of but now theyre accusatory like we are lieing or something. We are out thousands of dollars - denying one claim without even having the time to look into it and another that has been ongoing for over 6 weeks now with nothing being done. No credits nothing. Thats violation on Reg E. We have installed XXXX XXXX to hopefully ensure this doesnt happen again. We have contacted the police but they said they cant do anything because anyone can buy anyones information on the dark web.PNC has already charged back money from the one dispute but we havent seen any credits.
Consumer complaint received 2021-06-17
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

I have an accounts with a bank that has a late payment showing from XX/XX/2020. The situation was that i had lost my job due to the start of covid, I had made arrangements with them so that i wouldn't have any late payments on my report and they worked with me on the payments. payments were taken out automatically even at a reduced amount. The next six months there were no late payments but i notice that with both accounts they have a late payment showing on each account from XXXX. I have tried disputing it with them as well as the bureaus. They listen to me when i call and make notes but nothing changes. It is keeping me from getting a home loan and this was part of the covid relief program that i was a part of and should be removed. There is only 1 late payment with each ;. It's obvious that i was part of the covid program. Please help me to get these removed as they are not my mistake and i worked it out with the company.
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (IA)

I have received repeated phone calls from a debt collection agency but I do not have any delinquent debt. I generated my credit reports on XX/XX/XXXX from all reporting agencies through XXXX, verifying that I have no delinquent debt and am not the victim of identity theft. 

There have been 20 calls between XX/XX/XXXX and XX/XX/XXXX. I have blocked this phone number so the calls do not ring through, but some of the calls do generate phone messages. I have not returned their calls. From the most recent message on XX/XX/XXXX, I can report the following details : Company : United Collection Bureau Inc. 
Staff member : XXXX ( last name unintelligible ) Originating phone number : XXXX Call back phone number : XXXX Reference # : XXXX Requested action : I am being requested to return their calls at the call back number ( above ). 

Please contact this company and insist that they stop calling me. 
Thank you very much for your service and diligence.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

Dear CFPB and Chase, This is a response for complaint XXXX ( CFPB ). I'm not satisfied with the outcome of that complaint for the XXXX XXXX and the related fee for XXXX and XXXX Billing Statement. 

Regarding the XXXX XXXX, the response is that I have not provided document regarding the wrong price. I have provided the email confirmed that the purchase price is lower. But it is no longer applicable since I already returned the item to the store and I suppose to get a full refund. I would change the reason of the dispute to return and not receive a credit. Please see the return receipt which I already provided and I will also attached to this letter. I provided everything back in XXXX and the case is never resolve. Originally the case was file because the purchase price is different from the charge, however, because Chase take forever to response, I have to return the item to make sure I get the money back, however, they never refunded me after I return the item. 

Regarding the related fees for XXXX and XXXX, they are The interest charges of {$200.00} and {$21.00}. I would like to get a refund for it. In your response you told me because I made the full payment for that billing period, the fees are not refundable. It's wrong, because the fees are associated with the XXXX, XXXX and XXXX XXXX disputes, now that I win the XXXX and XXXX XXXX dispute as up now. I should get that fees back. It's because Chase take forever to resolve the claim which make the interest fee accumulate in my account. 

Please be fair and refund me for it. I requested to change the dispute reason for the claim : XXXX to return and not receive refund and change the dispute amount to full amount of {$3300.00}.
Consumer complaint received 2021-06-17
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NJ)

DSNB BLOOM - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I received letter from Midland Credit Management to collect debt. The company do not have contractual agreement that bind me to account. Account does not belong to me. I asked company to provide contractual agreement that bind me to account in XX/XX/2019. Midland failed to provide documents within 45 days. However they reported inaccurate information to credit bureaus. 

Also midland reports collecting from XXXX XXXX company that was on my report. XXXX XXXX account was previously disputed and deleted from my credit profile due to not also having a contractual agreement that binded me to account.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX  XXXX XXXX, XXXX, OH XXXX ,XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX My SS # XXXX. please remove any variations of my name they are not accurate.
Consumer complaint received 2021-06-17
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.