davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (TN)

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, DEPT OF EDUCATIONXXXX XXXX XXXXXXXX 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 Dection 2 : 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 antidotes 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 2020-02-05
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. (OH)

I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX 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 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ive been a victim of idenity theft i check my credit in XXXX and notice a XXXX XXXX XXXX XXXX credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this XXXX XXXX XXXX card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with XXXX XXXX
Consumer complaint received 2022-10-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MN)

Chase continues to give the runaround and failed to provide effective oversite while working with the XXXX XXXX XXXX ( XXXX ) XXXX and is still failing to accept the XXXX payment. The program provides financial assistance to allow homeowners to pay off housing-related costs related to delinquency, forbearance, or default of mortgages. 

My complaint includes the following : XXXX. Failed to respond in a sufficient and timely manner. 

XXXX. Failed to provide effective and efficient oversite with the XXXX XXXX  and the borrower. 

XXXX. Lack of adequate staff with the qualifications and skills to oversee and assist with the XXXX program. 

XXXX. Failure to provide an adequate designated representative to provide XXXX staff with the information required to complete the HAF processing XXXX. Failed to provide adequate training to staff related to the XXXX processing process. 

After receiving numerous telephone calls and voice messages from numerous Chase staff and speaking with numerous staff, still, no resolution has been reached. This has been dragging on since the beginning of XX/XX/2022 when Chase failed on numerous occasions to respond through the XXXX  submission portal with the required information to complete the process. 

On Friday, XX/XX/2022, before the closing of the business day I received a call from XXXX XXXX XXXX at Chase. XXXX XXXX was assigned to address this issue regarding the XXXX XXXX back in XX/XX/2022. XXXX XXXX continues to have no clue or any idea about what is going on, nor seems to know who to speak to regarding the XXXX XXXX. Although I am sure Chase has some sort of Finacial Assistance Agreement with the US Treasury, XXXX XXXX has stated that Chase is not involved with the process relating to the XXXX program. For the past 2 months, none of Chase 's staff has had any idea about what needs to be done to resolve this issue when working with the XXXX processor responsible for gathering the information to provide payment of the arrears balance on my account. 

After reaching out to Chase on several occasions through conference calls with the XXXX  processor to obtain the required information and after speaking with the processor, I was told that Chase in fact failed to provide the required XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX  ) form. They also provided an incomplete XXXX of the Mortgage form that did not include the amount that was delinquent. This information was necessary to complete the XXXX payment process.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (DC)

On XX/XX/2022, I received an unsolicited Citi Custom Cash credit card from Citibank. That same day, I tried to call the Citibank fraud number to cancel the card and request it be removed from my credit report, but I was on hold for XXXX minutes before giving up. I will try again tomorrow, but in the meantime, wanted to report this to CFPB.
Consumer complaint received 2022-10-16
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. (FL)

On XX/XX/XXXX I reached out to XXXX, Experian XXXX XXXX asking for them to provide me proof of the validity of the XXXX XXXX XXXX accounts on my credit file. 

I requested the copies of the application that was filled out to open these fraudulent accounts. 
to this date XX/XX/XXXX I have not received the requested documents On XX/XX/XXXX I spoke to your representative XXXX at XXXX and was informed that Experian XXXX not have my documents that I sent and most likely have been lost. Then, I asked to speak to a supervisor which I spoke to at XXXX pm named XXXX and she also confirmed that she can not locate the documents sent certified via XXXX with a return signature receipt proving it was delivered and signed for. 

This is very unacceptable that Experian lost my documents and my personal identifying information which can result in additional identity theft causing more hardship with my affairs. 

I have attached the proof that the mail was received and signed for by Experian 's staff. Also, I am attaching my follow up letter to the company sent XX/XX/XXXX
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (NY)

I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and XXXX being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Consumer complaint received 2022-10-17
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the 3 credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-17
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (DC)

upon pulling my credit report I have notices that I.C System as reported a debt on my XXXX report dated on XX/XX/2020 in the amount of {$490.00} and XXXX report dated on XX/XX/2020 in the amount of {$490.00}. I'm unaware of this debt and did not receive proper notification. if you believe you have supplied me with the proper notification, please provide the Certified mail receipt with my signature.
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account 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. 




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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account 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.
Consumer complaint received 2022-09-03
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. (AZ)

I have filed one complaint already about XXXX XXXX XXXX ( XXXX ) and the fact the the mortgage was paid off. Once again, XXXX has put the loan amount back on my credit which has since lowered my credit score again!!! XXXX needs to remove the paid mortgage off of my credit with Experian because they are showing the mortgage has an open balance!!!
Consumer complaint received 2024-03-14
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. (FL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please review the following : Account # XXXX XXXX XXXX XXXX XXXX XXXX : This debt has already been sold and yet is still being reported with a past due balance on my account. The account was sold to XXXX XXXX. Please have this removed for inaccurate reporting. 

Account # XXXX XXXX XXXX XXXX XXXX This account is a part of the XXXX XXXX XXXX  XXXX XXXX XXXX Settlement. One of the benefits of being involved with this settlement is having this account deleted from all three credit reports. It has still not been removed after multiple disputes and verbal confirmations that the account would be removed by XXXX oXXXX XXXX 

Account # XXXX - XXXX XXXX XXXX : This account has continuously been reported inaccurately throughout all three bureaus. One bureau shows this account is open with a balance owed while two others show it is closed with a balance owed. After numerous disputes, this account inaccurately remains on my report. Charge off is a write off to the IRS, any balance is non reportable. 

Account # XXXXXXXX XXXX XXXXXXXX- This account has violated my rights to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The open date, close date, and date of last activity on this account have all also been reported inaccurately throughout the bureaus.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC (NV)

TitleMax has been calling me several times a day for the last 8 months trying to collect a debt. I have never had an account with them and have asked them several times to stop calling because they have the wrong number. They always agree to stop but still continue. The number they are calling from is XXXX
Consumer complaint received 2022-10-01
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. (VA)

in accordance with the fair credit reporting act XXXX  account numbers XXXX and 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 XXXX. states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I first disputed this XXXX XXXX XX/XX/XXXX, I thought is fraud and wasnt aware I owed this debt. I disputed and received validity of the debt. Ive been speaking with XXXX  and settled debt as of yesterday XX/XX/XXXX. I disputed the debt with Experian XX/XX/XXXX and sent them my settled in full letter that XXXX  sent me, they emailed me a few hours saying the debt isnt being removed. Please help me get this removed, I wasnt aware I owed this debt and when I was made aware I paid it. I feel Experian didnt even take the time out to review my dispute properly or even looked at my supporting documents, I opened the dispute at XXXX est and it was closed at XXXX est
Consumer complaint received 2023-01-14
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. (TX)

This is my 9th 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, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$1600.00}
Consumer complaint received 2023-01-14
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. (NC)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to TransUnion on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-11-29
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. (IL)

My name is XXXX XXXX. My son 's name is XXXX XXXX XXXX. Please note he has a middle initial, I do not. I have tried several times to get Experian Credit Service to remove my son 's XXXX auto loan from my report. I have even called XXXX at the number provided on the report to have them remove my son 's negative account from my report, but I keep getting the same results from this credit reporting service. I have had the same issue with the other two credit reporting companies. XXXX   and XXXX. They have done their job properly investigating the issue and removed my son 's account. I have provided my son 's name, social security number, address, and his date of birth to Experian. Today i get a written report with the same results I've been getting on line. The report number from Experian is XXXX. This inaccuracy and lack of investmentive practices from Experian has cost me to not being able to refinance an auto loan with a better interest rate and save some money. 
If you would like I can also provide you with my son 's information.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately, I have never had late payments on any of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX