davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (NY)

I have a 10 year HELOC with Chase that expired yesterday ( XXXX XXXX, 2023 ). I have a letter from Chase stating that my last draw on the HELOC is XXXX XXXX, 2023 and yesterday ( XXXX ) I tried using the website, made phone calls to Chase and tried depositing a check from the HELOC into my Chase account, all to no avail. No one at Chase would help me nor the online check deposit would not go through. Now ( today ) the HELOC is closed and I can not draw from it. My last day was said to be yesterday to draw from the HELOC. This is misleading and I needed the last draw of {$5000.00} from the HELOC to go through for payment of bills, etc. Help me here, please. I waited to my last day as stated on the letter from Chase and they would not let me draw from it. I did this to obviate the high interest of almost 9 %. I tried reaching out to them this morning and they said sorry can not help me with no explanation as to why they mislead me!
Consumer complaint received 2022-05-21
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: Synovus Bank (IL)

In ACCORDANCE with the fair credit Reporting act First progress, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX DEPT OF ED, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 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 2022-05-21
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. (NY)

I saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.
Consumer complaint received 2022-05-21
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. (MS)

I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
1.XXXX  XXXX  XX/XX/XXXX 2.XXXX  XXXX  XXXX  XX/XX/XXXX 3.XXXX  XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2022-05-21
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: Nelnet, Inc. (FL)

CFPB Write up n 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
Consumer complaint received 2022-05-21
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. (PA)

I did not consent, authorize nor benefit form any of the filling inquiries, block and remove them immediately pursuant to FCRA 15 usc 1681c-2 XXXX XXXX XXXX  XX/XX/2022 and XXXX XXXX, 2022 A collection from XXXX  XXXX reporting on my consumer report around XXXX XXXX, 2022 in the amount of {$180.00} is in violation if the FDCPA I have not entered into a contractual agreement with this company and there was never an initial communication between us. XXXX XXXX obtained and furnished my personal information without my consent which constitutes identity theft and a violation of my individual privacy rights as consumer pursuant to 15 USC 1692. The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( A ) ( 2 ). Therefor needs to be removed immediately
Consumer complaint received 2022-05-21
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. (MD)

In early XXXX, I had looked into the possibility of obtaining a personal loan from XXXX XXXX. While going through the process and submitting some basic information, I decided against applying for the loan. To be completely clear, I did not finish the application process as they were asking for more documentation I was not comfortable giving to them AND never received any sort of loan offer because the application was never finished. Today, I was notified by TransUnion that XXXX XXXX had created a hard inquiry for credit score WITHOUT my authorization OR permission, as I had made it extremely clear I was no longer interested in applying for a loan.
Consumer complaint received 2022-05-21
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: OneMain Finance Corporation (MD)

In early XXXX, I had looked into the possibility of obtaining a personal loan from OneMain Financial. While going through the process and submitting some basic information, I decided against applying for the loan. To be completely clear, I did not finish the application process as they were asking for more documentation I was not comfortable giving to them AND never received any sort of loan offer because the application was never finished. Today, I was notified by XXXX that OneMain Financial had created a hard inquiry for credit score WITHOUT my authorization OR permission, as I had made it extremely clear I was no longer interested in applying for a loan.
Consumer complaint received 2022-05-21
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)

CFPB Write up XXXX 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
Consumer complaint received 2019-07-06
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: EQUIFAX, INC. (CT)

On XX/XX/2019 my credit score was pulled at least once by the Loan Dept at XXXX XXXX in XXXX, CT after confirmation that they had pulled the score already on XX/XX/2019 via the online application that I submitted for an auto loan.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2022-05-21
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. (NY)

I WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF IDENTITY THEFT
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

CFPB Write up XXXX 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
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

CFPB Write up XXXX 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
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

CFPB Write up XXXX 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
Consumer complaint received 2022-05-21
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: CLGF Holdco 1, LLC (SC)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy. 

15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 usc 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 2022-05-21
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. (NY)

I WAS REVIEWING MY CREDIT REPORT AND I SAW FEW ACCOUNTS WHICH I DIDN'T RECOGNIZE, I BELIVE, THAT SOMEONE USED MY PERSONAL INFORMATION AND APPLIED FOR THESE COMPANIES, I DON'T HAVE ANY AGREEMENTS WITH THESE CREDITORS OR DOCUMENTS WITH MY SIGNATURE, I LOST MY WALLET FEW MONTH AGO, THAT'S WHY I BELIEVE I WAS VICTIM OF IDENTITY THEFT
Consumer complaint received 2023-01-20
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. (PA)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-01-20
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. (PA)

I am writing to report fraudulent charges on my report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (TX)

On I discovered ( CONTRACT CALLERS INC ) had been re-inserted into all my XXXX credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AutoNation Enterprises Incorporated (FL)

On XXXX XXXX XXXX CIG wrongfully had someone to repossess my vehicle. I do not have any contract agreement with CIG and they are not the note owner of the vehicle they are simply a servicer, As the owner of the account, as defined by 12 CFR 1002.2, I am a federally protected consumer, and it is my right to receive accurate and transparent information about the transactions and credits associated with this account. I have filed two previous complaints requesting validation of the account and have yet to receive any concrete resolution. 

A request for the following was made : FULL ORIGINAL and/or UNALTERED documentation specifying credits, tax liabilities, discharge of debt, bonds, and/or securities as they are applicable to this account. 
Compliance with 12 CFR 1026.13, which requires correcting the billing error and crediting the consumer 's account with any disputed amount and related finance or other charges, as applicable.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (CA)

According to XXXX XXXX XXXX Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Experian is in violation with account U.S. DEPARTMENT OF EDUCATION Acct # XXXX for not marking the account as disputed and also not updating the status/balance update. This account was disputed in XXXX but yet shows last time it was updated was in XXXX which is a violation. Evidence below
Consumer complaint received 2023-03-06
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. (TX)

I sent the credit reporting agencies a letter on XX/XX/22 and they were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me, but they failed to do so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement. I will attach the letter that was sent which is dated and time stamped along with the credit report showing that the credit bureaus failed to enter a notice of dispute. I can take this to court for legal action, but at this time I am only asking for the removal of the inaccurate late payments. Please remove the following late payments from these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is 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 inquiries. 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK (OH)

In accordance with the Fair Credit Reporting Act XXXX this creditor, has violated my rights.

15 USC 1681 Section 602 states, I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-28
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: CCS Financial Services, Inc. (AL)

XX/XX/XXXX - XX/XX/XXXX CREDIT VOLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account that was Pain in FULL on XXXX XXXX. 

It would assist me tremendously if you could make a goodwill adjustment that removes the negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (TX)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with Mr. Cooper, is not reporting on my credit report. 
I would like for my mortgage to report to credit report.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

These complaint os for XXXX and Experian who are falsely manipulating my credit scores. as FCRA Requirments on users of consumers reports [ 15 U.S.C. & 1681m ] i have mortgage " PAID AS AGREED '' the account # is on the attached file and I have ZERO to 1 % Utilization, 2 installment account has been paid off and one auto loan account hae been paid off all of them are tagged as status of " CLOSED '' PAID AS AGREED '' both of these credit reporting agency decreased my credit scores without any explanation as to " WHY '' THIS IS NOT A DUPLICATE REPORT AND DO NOT CLOSED THIS COMPLAINT. XXXX AND EXPERIAN ARE MALICIOUSLY DECREASES MY CREDIT SCORE. MY QUESTION IS WHY MY POINT HAS BEEN DECREASED WHEN I AM PAID IN FULL ALL THOSE ACCOUNTS MENTIONED ABOVE? IF THIS XXXX COMESBACK ASKING FOR ALL ACCOUNT NUMBER, ALL THE ACCOUNT NUMBERS ARE STATED OR ENCIRCLED IN THE ATTACHED DOCUMENTS. THE SAME THING WITH EXPERIAN, EXPLAIN TO ME AS TO WHY IM BEING PENALIZED FOR PAYING ALL MY ACCOUNT IN FULL AND LOWERING MY UTILIZATION? THESE ARE THE FACTORS YOU AS CREDIT REPORTING AGENCY SET ONE THEM IS THE UTILIZATION, PAYMENT HISTORY, AVAILABLE CREDIT, AT LEAST I IMPROVED MY CREDIT ON THOSE FACTORS AND YET YOU DECREASED MY POINTS? DO NOT COMEBACK TO ME TO JUSTIFY THIS FALSELY DECREASING MY CREDIT SCORE. BECAUSE I AM WILL AND DETERMINE TO FILE A LEGAL ACTION AGAINST YOU.