davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

LCI is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I tried to link Chase to my XXXX account. There were two small balance deposits from Chase into XXXX, and I verified those with Chase. 

Then I scheduled a {$1600.00} transfer for an approximate immediate time. I can not log in to Chase to see when exactly the transfer was scheduled. 

The transfer has failed, and I have not been notified. I would not have known had I not tried to log into my Chase account on XX/XX/XXXX and found my account locked. 

Calling the Chase fraud department has been useless ; they are unable to explain why my account was locked and why no steps were taken to resolve this. 

They claim they notified me, but won't say how that happened.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Due to my previous complaint being closed with no resolution, I am filing another complaint. Credit Acceptance is inaccurately reporting on my credit report. The vehicle was repossed ONE time, and that was the only time. I never once redeemed the vehicle after the voluntary surrender due to the predatory rates and prices. You can see in the response from Credit Acceptance, the amount they are stating is owed is not the same as reported on my credit report. I have called and asked for proof of the vehicle being redeemed. No proof is able to be giving. They have re-aged this account MULITPLE times, and re-aging is illegal. Under my rights with the FCA, this account should be removed from my credit report immediately. Until this is removed, I will continue to dispute and make complaint after complaint because no persons deserves to have this hanging over their head for 7 years ESPECIALLY with inaccurate information.
Consumer complaint received 2024-02-24
Product: Credit reporting 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)

I have requested from XXXX, experian and XXXX signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect
Consumer complaint received 2022-12-31
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. (NE)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-31
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. (FL)

Dear CFPB, I writing this in request to XXXX  XXXX XXXX to provide me a 1099-C for the following account : XXXX The status of this account is inaccurately reporting on my credit profile and I request that it is deleted. Otherwise I will have no choice, but to file a 3949a and enter litigation.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There is a balance from XXXX on my credit report that has been paid to the debt collection agency EOS CCA. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, I writing this in request to XXXX  XXXX XXXX to provide me a 1099-C for the following account : XXXX The status of this account is inaccurately reporting on my credit profile and I request that it is deleted. Otherwise I will have no choice, but to file a 3949a and enter litigation.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (TX)

Amex customer service was very unhelpful on XX/XX/XXXX and today XXXX XXXX, I tried to restored my credit limit that was decreased from XXXX to XXXX due to a " credit review '', I called to see if the notes they made in janurary were in good standing but no they said it end XX/XX/XXXX and there was no possible way for them to override it, when we all know that's XXXX, they wanted mutlipe of other docs but I shouldn't have to do that when I been with them for over 5 yrs
Consumer complaint received 2022-12-31
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I was not informed that I can dispute anything, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you
Consumer complaint received 2022-12-31
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {XXXX ( Original Creditor : ) XXXX Balance : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-31
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 XXXX XXXX, and I am submitting this CFPB Complaint to you today to follow up the previoues CFPB Complaint I submitted requesting the immediate removal of the fraudulent accounts and information I found on my Credit File. I sent a letter on XX/XX/XXXX, to remove inaccurate personal information, inquiries, and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I am requesting that you remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$970.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law to help me resolve this matter at the earliest possible time.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (NC)

Ive not been contacted by the creditor, when I saw the issue on the report I contacted the company XXXX  XXXX, when I called them they couldnt talk to me as they stated my social security number did not match, Being the personal information does not match and Im not XXXX years old this is not my account. This should be removed from all the credit bureaus immediately. 
I will look at civil action against the bureaus and or creditors if this is not removed.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2021-03-17
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: Early Warning Services, LLC (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2023-12-30
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. (TX)

I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the inaccuracies from my credit file. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I emphasize the urgency of this matter and the significant impact it has on my financial well being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records  or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

For over a month now, Capital One has been treating me as if I were a criminal trying to steal my own identity. It began on XX/XX/2020, when XXXX locked me out of my XXXX account ( just days after a hacker tried to access it ). As an American working in XXXX, I relied on emailed statements from Capital One to stay updated on my secured credit card account. So on XX/XX/2020, I called and asked them to change my email address. Before doing so, I paid for a recent charge of {$24.00} that I had made on XX/XX/2020 for online membership with XXXX XXXX XXXX. 

Not having an American cellphone number, I was asked to post my drivers license to a secure link, which I did. On XX/XX/XXXX, I called again, and was told to post a copy of my social security card. I told them that I did not have it with me, having been unable to find it before leaving the US. Having just gone to XXXX XXXX ( because of the coronavirus ) I did not know where a new card could be mailed, or even if it was possible to apply for one while overseas. I offered to show Capital One another proof of my social security number. They refused. 

In America, my mother searched for the card and could not find it either. So on XX/XX/XXXX I asked Capital One to send paper statements to my home address in XXXX. They again demanded to see my social security card. Soon after this, I discovered that they had disputed the XX/XX/XXXX charge as fraud and reversed the payment to XXXX XXXX XXXX. 

Thinking if I could just get a replacement social security card, all would be well, I tried and failed to set up an online social security account. I then tried calling the Social Security Administration long distance, and got put on hold for so long my phone disconnected. I  finally concluded that the only way to apply for a replacement card was to mail my original drivers license and an authenticated copy of my birth certificate, which I did not feel comfortable doing. 

Then on XX/XX/2020 I finally recovered my XXXX account. I thought that since the problem had begun with a simple request to change my email address, getting back my original email account would end the ordeal. But Capital One not only refused to take the fraud alert off my account, they even refused to refund the money I had paid them on XX/XX/XXXX for the charge they had later disputed as fraud. This is unacceptable. 

I believe it puts an unnecessary burden on me to have to mail valuable, original documents internationally in order to obtain an extremely sensitive document that could get stolen by identity thieves. I also think it is wrong for Capital One to keep my money after denying me the services for which I paid.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (TX)

I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.