davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$670.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 2021-10-26
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. (CA)

To : consumer protection Financial Bureau/TransUnion TransUnion has failed to follow Fair Credit Reporting Act and Failed to investigate incorrect information that has been reporting on my credit file. I had a great job opportunity with XXXX XXXX as an insurance agent and I can no longer work due to the failure of TransUnion not investigating my credit file and making corrections to my credit file. I am including my certified mail that I have been sending to TransUnion for the past 4 months. I am including a copy of the I will also include a copy of the police report that my identity was compromised in 2019 and I have a police report with the city of XXXX. 
Unfortunately, my mail was also stolen for the second time that it was delivered to my house. I wasn't left by XXXX and all my bills and identity was stolen. providing my police report and all identity information to XXXX and XXXX the correction was made to my credit file. TransUnion has failed to make the correction. This is my last attempt through Consumer Protection Bureau the correction to be made to my file if any of the information or not verifiable by law they must be delete it for my credit file,
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (CA)

I cancelled the XXXX membership with manager within 2 days. I asked for 1st months money returned-manager Refused. Manager shut off entry key card immediately-I had no entry. Collection and XXXX, Gym manager, refuse to Prove entry because entry key card was off-there was none. I never received any bills, invoices, late payment notices before today. All of this is a Lie.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (GA)

I have contacted this company via certified mail explaining to them that this debt is not mine and doesn't beyond to me. I explained to them that it did not belong to me, I disputed previously with another debt collection agency, XXXX XXXX in court and it was ruled in my favor, and removed from my credit report. I have asked them to send me proof of the alleged debt under the fdcpa act, you must provide the original written contract for the application of credit with my hand written signature as pursuant to law 15 usc 1692g, I am the original creditor, only I can validate this debt, and I DO NOT validate this debt. They have a statement from the alleged credit account which is not sufficient enough evidence to support their claim of that I owe the alleged debt. Pursuant to law 15 usc 1692g ( a ). You were to notify me in writing before, reporting this on my behalf to the credit bureaus 5 days prior, and I was not. You failed to provide me written notice which is violation law 15 usc 1692g. Their practices are abusive, unfair, and deceptive and I will be forwarded this to my finance attorney, seeking damages in the amount of {$1000.00} dollars plus legal fees.
Consumer complaint received 2022-10-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly nine other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.
Consumer complaint received 2021-10-26
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: JPMORGAN CHASE & CO. (MN)

I have a mortgage through Chase. I am not late on this account and never have been. Loan origination date is XX/XX/XXXX. I filed bankruptcy a few years ago and it was discharged in XX/XX/XXXX. 

When the bankruptcy was discharged, Chase stopped reporting my payments on the mortgage to the credit bureaus and has set the status of the mortgage account to closed. Consequently, I am not getting 'credited ' on XXXX XXXX score because this account shows as closed rather than being open, current, and never late. 

I've tried to get Chase to report this mortgage to the credit bureaus and they have refused. I've asked several times, written them three times, my bankruptcy attorney provided documentation to Chase about the discharge and yet, Chase continues to refuse to report this activity. 

This is creating obvious issues with XXXX  scores as well as ongoing finance health. 

I've attached copies of the discharge from XX/XX/XXXX and the latest mortgage loan statement. 

Can something be done about this?
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MA)

Pursuant to 12 CFR 1006.30 a debt collector may not furnish information regarding a debt to a credit reporting agency without consumer 's consent. However, in addition to consistently furnishing information regarding this alleged debt, on XX/XX/XXXX ALLY FINANCIAL reported a late payment in my name to XXXX ( see attached ). 

Also, on XX/XX/XXXX I requested that this alleged debt be validated by ALLY FINANCIAL. Note that under FDCPA Section 809 ( b ), ALLY is not allowed to pursue collection activity until this alleged debt is validated. Be advised that in Boatley v. Diem Corporation, No. Civ 03-0762 ( D.C. Ariz. 2004 ), the court ruled that reporting a collection account is, indeed, considered collection activity.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is reporting an account as open when it was paid in full inXX/XX/2016.

In addition, they are reporting this account as 1.Factoring account 2. Updating it monthly 3. Reporting an open date, I signed no contract.

4. Reported after full payment on account 5. Refuse to close account after several disputes.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pulled my personal credit file as I am preparing to obtain funding and found some items on my account that are not accurate information. The Employment Info has incorrect data as I am requesting that the following info is removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately for reporting false documentation of employer info. The also see false addresses reported on my file and i need them to be removed immediately to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only address that should be on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and all other addresses need to be removed including XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I also see a credit account that is reporting from XXXX XXXX XXXX with account number XXXX that needs to be deleted immediately as well. This information needs to be verified or DELETED.
Consumer complaint received 2021-10-25
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. (CA)

On XX/XX/XXXX XXXX first report my student loan as being delinquent, after a few months I defaulted on the student loan and it was transferred from XXXX to XXXX XXXX XXXX. ( The phone number for XXXX is XXXX ) ( The phone number of XXXX XXXX XXXX is XXXX ) There at XXXX XXXX XXXX I made a series of on-time payments. The loan was taken out of a default status and was given a positive status. Any negative past reporting was supposed to have been deleted at this time. XXXX did delete the negative reporting from my XXXX but not from my Transunion or XXXX, to this day they still show negative reporting and show my 5 XXXX to be in a collections status. 
After making the series of successful payments with XXXX XXXX XXXX the loan was transferred to XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX phone number is XXXX ) I continued making on-time payments to XXXX XXXX XXXX XXXX and paid the loan off in full in XX/XX/XXXX. So the student loans have been fully paid off. 
For some reason XXXX never deleted the collection status from my XXXX and Transunion. They did delete it from my XXXX report but not the XXXX or Transunion as they were supposed to have done. Once my student loans were out of default and reflected a positive status XXXX was supposed to go back and delete any negative reporting from my credit reports with all 3 bureaus. Because XXXX has not done this my XXXX and Transunion credit scores are far lower then they should be. This inaccurate reporting is effecting my Transunion and XXXX scores in such a way as to even prevent me from qualifying for a mortgage loan. When I call XXXX to resolve this the customer service representatives I speak with over the phone act as if they don't know what to do or how to help me. Since the students loans were transferred after I defaulted to Default Resolution Group they act as if there is nothing they can do
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NJ)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-10-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent your company my dispute on XX/XX/2021, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2021-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

The loan was closed on XX/XX/XXXX and per the attached document, disbursement should have been completed on XX/XX/XXXX. As of XX/XX/XXXX, I was notified that there is a disbursement delay, which is causing financial hardship as I must make another payment to my servicer.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (NY)

My Citi credit card account has not been updating monthly on my XXXX credit report. Citi has told me that in order for the account to properly report, I must " change my name '' with them. My name concludes with the suffix " XXXX '' and Citi is telling me that I must change the " XXXX  '' to " XXXX '' in order for the account to report correctly. They have been incorrectly reporting my name with " XXXX '' at the end of it, so now my name is incorrect on my XXXX credit report. They need to fix my suffix to " XXXX '' as that's my correct name AND figure out how to correctly have the account update monthly with XXXX. 

Citi has been trying to pass the buck with this issue, washing their hands of it and stating that it's a problem with XXXX. This is absolutely false, as all of my other lenders including but not limited to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX Bank all report my name correctly with the suffix " XXXX '' to XXXX and all of those accounts update routinely like clockwork every single month without a problem. If this were a suffix issue, none of my other accounts would be updating monthly with XXXX. This therefore is clearly a CITI issue, which they need to address and resolve. I've been dealing with their Executive Office for months now, shortly after they sent me a new credit card in XX/XX/XXXX. Each time I contact them I have to wait up to 15 days for a response. When I receive a response it's always of the same tune ... " not our problem, it's XXXX ... talk to XXXX, not us. '' Absolutely unacceptable treatment of a very good customer of theirs.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account CAPITAL ONE BANK USA is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit BureauS but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX My wallet was stolen from a locker at my gym. Before I discovered the theft the thief ( s ) had taken my ATM card to a Chase branch and had my PIN number overridden and/or reset and withdrew {$3000.00} out of my checking account. My wife contacted the Chase fraud department and reported the theft and a case was opened yet we were not notified of any additional documents or steps to take to send the case forward for investigation. On XX/XX/XXXX we contacted the fraud department again to see where our claim stood. We then were informed of additional documentation that was needed and this was faxed from our branch the same day. To date it does not seem any investigation by Chase has been undertaken into how my card was used without my personal PIN to obtain the funds. We didn't know of and were not informed by Chase that the PIN had been overridden/changed until a replacement card was received and we were not able to activate. The Police case opened with the XXXX XXXX XXXX, TX Police Department is XXXX and the detective XXXX XXXX had to obtain a warrant to even view the video from the transaction. Chase would not even inform the police which branch was involved in the fraudulent transaction. Additionally the police informed us that an almost identical fraud had also taken place and the thief also obtained funds fraudulently at a Chase branch. After the police reviewed the video it was learned that the money was taken using a drive through window and positive ID could not have been determined in this manner. Chase has also not even contacted the police for any information as to what took place. Today, XX/XX/XXXX we informed by letter that our claim into the fraud has been denied by Chase.
Consumer complaint received 2021-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (IL)

I have attempted to work with Rise on over 10 occasions to get my account back to current. I paid {$540.00} in the middle of the worst of the pandemic to get caught back up and then was told by XXXX XXXX that I was reported for a late payment- which I am very careful about and had never been reported for late payments. Apparently, the days rollback 14 from the last due date, not 30 from your last payment. I was told 30 days, not 14, which can be heard on the recorded calls. When I asked about the recorded calls, I was told they dont have them anymore because they delete them after a certain amount of time. 

After leaving a review on XXXX with my concerns of their misinformation as well as false reporting, I received a generic response saying to call a specific phone number to speak with someone about my concerns. I did exactly that and was told they do not offer COVID relief to ANY ( stated in a very heavy voice ) of their customers. Their website states otherwise ( I will include a screenshot ) and I request they remove this immediately as its false advertising - misinformation. I asked if I could change my due date schedule as my repayment schedule went along with my pay dates, which no longer exist, and was told they will not even talk to me in that department until I pay another {$540.00}. All of these are terrible business practices, but many of these things are verifiably illegal. I am ready to pursue a lawsuit if they are continuously unwilling to provide the help they say they have. I can not afford the constant credit bureau reports and I have done everything I can to get the extra money, but am living paycheck to paycheck after taking a {$40000.00} pay cut due to COVID.
Consumer complaint received 2021-10-26
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. (NY)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to LACK OF RESPONSE from TRANSWORLD SYSTEMS