davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (OH)

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
Here are the accounts : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-17
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. (OK)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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  Balance : {$710.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

Hello, I received a letter from Chase bank on XX/XX/XXXX where my account was opened in XXXX and I immediate started making direct deposits and use this account as back up savings for my life being. 

The letter from Chase states the following : " After careful consideration we decided to close your account because of your association with chase credit car deposit or investment account that was previously closed ''. 

I used to have credit card, checking account and business account. My credit card with them was since around XXXX and was closed along with everything else in around XXXX with no explanation and no branches nor customer service would give me a reason why.
Consumer complaint received 2020-03-11
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: FIRST ADVANTAGE CORPORATION (MN)

XXXXOpened a dispute with First Advantage stating they were supplying my employer with inaccurate information that they claimed they got from the DMV. I submitted a certified copy of my drivers record showing that I had no violations on it to First Advantage as part of the dispute process.

After several phone calls I was told the information they are reporting is correct. It isn't however as I have proof from the DMV and the court that the information is not accurate.

My employer requested an update report 2 more times after I opened my dispute and they are still sending my employer inaccurate information. This has cost me the position I applied for due to the reporting of inaccurate information.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY (WV)

They're trying to process payments that were not authorized. They turned my auto pay back on without my permission. They call several times a day using false local numbers. They call on XXXX  which is not allowed in the State of West Virginia
Consumer complaint received 2023-01-24
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: Southwest Credit Systems, L.P. (FL)

I have continued to dispute this account with XXXX and Southwest Credit. I have never lived at service address and have never requested service there. This is a cable bill that i did not authorize. Dispute confirmation # XXXX.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the XXXX XXXX Experian Credit Bureaus on XXXXXX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

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

XXXX  Account # XXXX  has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in Experian on XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXXXXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (MS)

accordance with the Fair credit report accordance with the Fair credit report account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights according to 15 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2020-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I went to XXXX XXXX XXXX for a procedure called XXXX XXXX XXXX, this was suppose to freeze the from my XXXX, I was told by XXXX XXXX XXXX ( owner ) that procedure in question would best work for me. She stated that XXXX XXXX would get me better results with less complications. She did advised me of risk associated with this procedure such as XXXX  as you much XXXX XXXX.She also stated it may not work. She never said anything about the machine can and XXXX  you.She also stated they have many happy client as this procedure is not invasive. She states the procedure is painless and you can lay back and read a book.She states that the machine never touches your skin. I was convinced. I paid {$2000.00} for 6 sessions.1 session it was XXXX  but I chose to tolerated the XXXX. The second session was XXXX also. When I was taking a bath and notice a big XXXX   in my XXXX  which became XXXX. I Went to the Dr. and was given XXXX. I was left with XXXX XXXX XXXX  in XXXX. They refuse to refund XXXX to my Care Credit Card. These are two sessions resulting in my issues. I contacted the XXXX  and other agencies to no avail. XXXX sent me an agreement formstating that they would refund my money, if I would stop bad mouthing them and not sue them. I declined. Please help. Thanks.
Consumer complaint received 2020-03-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NY)

I have tried to file for forbearance 4 times and it is going ignored by the servicer. I have tried emailing them and I get no reply. All I continue to get is threatening letters and negative marks on my credit report. I cant afford the payments and they are doing absolutely nothing to help me.
Consumer complaint received 2023-01-24
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. (MN)

Trans union LLC is still reporting unauthorized inquiries that was placed on my consumer profile with out my written permission. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and a new inquiry was just placed XX/XX/XXXX padio.. Its been over 60days of my trying to resolve this issue with TransUnion. Its on file with TransUnion that I was victim of my data being compromised. And TransUnion responses with a recent letter. Stating that my being a victim of identity theft. Does not apply to unauthorized hard inquiries that was placed on my trans union report. That was placed with out my written consent. I will be submitting TransUnions response letter to the states attorney office. And I did hire legal counsel regarding. The violations And laws trans union continuously. Continue to break and unfair credit reporting with disregard of the consumer non personal information. Who TransUnion never had the lawful authority to publish in the first place. With out my written consent
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I contacted Transunion credit bureau in an attempt to see what method they used to verify bankruptcy records listed on my credit report. The information is listed as XXXX XXXX XXXX XXXX Date XXXX Court type : XXXX XXXX XXXX XXXX 
When I contacted the credit bureau I explained that I was not attempting to challenge or dispute the information but was only seeking a method of verification. They sent me a letter verifying the information as accurate which DID NOT include a method of verification which was the sole reason I contacted them.
Consumer complaint received 2023-02-12
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. (FL)

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 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 XXXXXXXX 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 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 2020-03-11
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. (WA)

My identity got stolen. I have reached out several time to the credit bureaus through the CFPB and regular mail through the United States Postal Service. I have filed a police report, FTC report, and complaint here.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC bank usa opened an illegal credit account without my consent in XXXX thru my checking account.theres no document with my signature in which shows that I agreed to such account.Hsbc broke my rights as a customer and as a us citizen the account has a balance of {$330.00}
Consumer complaint received 2023-01-24
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (MI)

It was not made aware to me that the original amount changed in half a XXXX and {$15.00} was written off and the amount that was left was {$1700.00} and I made a payment that went to the original amount of {$4000.00} and they are trying to have me pay the whole amount instead of the {$1700.00} to remove this from my credit report and delete the account.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09
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 (AZ)

XXXX. Lexis Nexis is violating the law for NOT removing the wrongful false entry on my XXXX XXXX report from XXXX XXXX XXXX XXXX ( see attached ) XXXX XXXX XXXX is their insured who broke my ankle. THIS IS NOT MY LOSS. 

FCRA : DELETE IMMEDIATELY, it is not loss.
Consumer complaint received 2020-03-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN BEAR CAPITAL INC. (NV)

Late last year, I sought to purchase a home. At that time, I owned another home, which I sought to sell. I utilized a realtor for my purchase and sale. The realtor referred me to XXXX  XXXX/Golden Bear Capital for loan monies. 

( I LATER DETERMINED THE REALTOR WAS ASSOCIATED WITH XXXX   XXXX/GOLDEN BEAR CAPITAL, LISTED AS A " MLO '', A FACT NOT DISCLOSED BY THE REALTOR NOR XXXX  XXXX/GOLDEN BEAR CAPITAL. ) On this recommendation, I engaged XXXX XXXX/Golden Bear Capital as my lender for the home purchase. 

Throughout the loan process, I received a deplorable amount of delays and mistakes by XXXX XXXX/Golden Bear Capital. To summarize, these delays and mistakes have ended up costing me thousands of dollars in lost monies. 

I would have not used XXXX  XXXX/Golden Bear Capital for loan monies unless referred to them by the realtor, who never disclosed he is associated with XXXX  XXXX/Golden Bear Capital. 

This is a conflict of interests as a realtor should have the consumer 's best interest in mind. In this situation, XXXX XXXX/Golden Bear Capital have created a situation where the realtor/mortgage company best interest 's have become the priority. 

XXXX XXXX is allowing realtors to associate themselves with XXXX   XXXX/Golden Bear Capital, allowing them to refer business only to XXXX   XXXX/Golden Bear Capital, and creating a volatile environment for the consumer. 

This should not be permitted in the state of California.
Consumer complaint received 2021-01-15
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 inquired how trans union was able to to add a chapter XXXX bankruptcy on my credit report and i was informed that information was received from public records however bankruptcy court informed that this information is not shared with credit reporting agencies, i immediately requested that chapter XXXX bankruptcy, case XXXX, be deleted from my report which has yet to be done. I received correspondence from trans union informing the information I already sent to them from the bankruptcy court be sent when i already sent this information. I am requesting that the chapter XXXX bankruptcy be deleted immediately by transunion