davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (LA)

My name is XXXX XXXX and I am a victim of Identity Theft. I received a copy of my credit report and have no knowledge of these unknown inaccurate fraudulent accounts and addresses. I have reached out to these companies many times to remove these accounts and addresses and the respond that they have been verified but has not sent me any documents with proof of verification. These companies have added new dates and remarks to these fraudulent accounts which are closed and charged-off.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am having an issue with XXXX XXXX XXXX Improperly reporting late payments for a collection they agreed to terms of partial payments in the amount of {$10.00} on top of our monthly usage bill to service continuing. I feel as i was improperly informed that they would keep reporting every month that the account was 180 days late. Myself and XXXX XXXX cames to terms of agreement that I could pay the past due balance as partial payment thinking my credit would not be affected by this and I could continue services with the company. At the time of agreement XXXX XXXX did not disclose any credit reporting in this matter they simply exclaimed i could not recieve services unless I paid the balance in full or paid in partial payments. I noticed they reported 180 days late for 46 consecutive months. I have never been 30 days late or more on this agreement or my monthly bill. Since I have paid the balance completely off in full on XXXX XXXX 2015. My account is active and still in good standings. My wife and I have contacted XXXX XXXX on several occasions and all they tell me is this is part of my history for the account. My problem is I do not feel these late remarks should not be on my credit report due to the fact I have paid our agreement and my bill on time all of those 46 months. I also feel as if I was decieved by them not fully disclosing any information on them even reporting to the credit bureaus. I feel as if this is an unfair business practice. I have talked to them on several occasions and they do not wish to work toward a resolution. They keep giving me different information everytime and transerring me to different represenatives with no solution for the matter. I 've also tried to get a letter of full debt payoff or paid in full letter and they also exclaimed they do not do that. But the main issue is unfairly reporting 180 days late for 46 consecutive months and it has devastated my credit report. I have decided to come here with this matter to see if we can get a resolution. Thank you for your help.
Consumer complaint received 2020-09-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (OH)

On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX and XXXX at XXXX. It was an automated system message stating that if I did not respond immediately, I would be sued in XXXX county courts. It gave a toll free number to call back. I was not able to write or record the number as it was only stated once before the call disconnected. I called the 614 number back and spoke with a very rude individual who seemed to know everything about me including my ssn, without me saying anything more than hello. I never verified any information. He questioned me about a debt with Check-n-Go then rattled off some account and routing number that I had never heard of or recalled ever having, nor did I recognize the bank name. He started to yell and be very rude to me before disconnecting the call. I called Check-n-go and they verified there was a loan from XXXX but it was closed and didn't appear to be in default. They were able to give me the date, amount and loan number. I called the 614 number back and attempted to ask the gentleman to verify some more information for me. He told me I shouldn't have called Check-n-go without speaking with him first. He became Irate, continued to yell every time I asked a question and speak over me until I said I wanted to verify the info to make a payment then told me he was transferring me to someone else. The woman he transferred me to knew nothing about my account and could only process a payment. How could that be? She told me I would have to be transferred back to the man to verify any info. When connected back to him, I asked for a supervisor. He refused and continued to yell at me with threats til the point that I became upset and disco 'd the call. I also blocked them from calling back.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I checked my credit report and I had a debt that was over 3 years old XXXX . When I checked the debt Enhanced Recovery Company LLC had changed the debt to 4 months old as if it was New! Now I have to wait 7 years for it to fall off my credit report! Unless Enhanced Recovery Company LLC changes there mind and change the date again!! This was my ex wife phone her responsibility to pay! And I will not pay!!! Enhanced Recovery Company LLC didn't give me any notification on the debt at all! Enhanced Recovery Company LLC should learn how to treat people and learn how to run a business!! I checked my credit report and found that a debt I had that was OLD! Was updated by ENHANCED RECOVERY COMPANY and it said it was opened 4 months ago, now I have to wait 7 more years, originally it was well over 3 or 4 years old and  only had to wait 3 to 4 years for it to come off! Now this was my ex wife 's responsibility, because I worked for the XXXX and received a discount on the phone and she didn't pay that is why it's on my credit report! I didn't have knowledge that she switched phones and didn't pay the outstanding balance. I refuse to pay because it was hers and she could afford to payed it! Didn't receive any type of paperwork, phone call or anything! This is appalling the way they do business! I'm XXXX now and was waiting for it to come off when I retire at XXXX! These people are blood suckers that get paid XXXX $ an hour! I get phone calls all the time from different places, out of state, a City that I don't know anybody, They should be closed for lying and stealing!
Consumer complaint received 2022-11-08
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. (FL)

I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information.
Consumer complaint received 2020-09-30
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. (UT)

XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.
Consumer complaint received 2020-09-30
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. (WA)

On XX/XX/XXXX our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, XXXX XXXX, Experian XXXX are showing XX/XX/XXXX as 180+ days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.
Consumer complaint received 2020-09-30
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. (UT)

XXXX XXXX XXXX XXXX is reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed multiple unauthorized inquiries with transunion and they wont remove them. As a consumer and under fcra law 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). I have rights to privacy as a consumer and my rights are being violated. I have never given transunion permission to furnish, sell or give away any of my information. No permission equals identity theft. The inquiries should be removed immediately XXXX XXXX ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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. (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 XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or 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 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (PA)

I had 2 accounts with one main financial. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XX/XX/2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX XXXXWhich was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down XXXX points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-11-08
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. (SC)

I have information reported on my credit file and Inquiries that I did not authorize. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

chase card services contacted me requesting payments on a credit card that i never requested or applied for. I contacted them and asked for proof that I was responsible and they never sent anything that showed that I applied for or used the credit card. They said they did a fraud investigation and the debt is valid. I then had a lawyer send a letter and got the exact same response without any supporting documents.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and I am the CEO and Founder of XXXX related business entities : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX has banked with JPMorgan Chase since XXXX. On XX/XX/XXXX I attempted to open XXXX new checking accounts with. JPMorgan Chase, XXXX for XXXX XXXX XXXX and XXXX for XXXX XXXX. As part of this, I deposited two checks. I deposited a check for {$24000.00} into the XXXX XXXX XXXX account, and a check for {$110000.00} into the XXXX XXXX account. I was told that these funds would be available by XX/XX/XXXX. About one week later Chase let me know that they had decided to " exit the relationship. '' Chase, however, has not returned the funds. I have spent countless hours on the phone with various VPs across a wide array of departments, including the fraud department. I have provided extensive documentation verifying my ownership of these entities. I even paid {$500.00} to amend and restate the Articles of Formation for XXXX XXXX with the state of Delaware, so that the Articles now clearly state that I am an authorized agent. Despite this, despite XXXX knows how many hours spent on the phone with Chase, they STILL have not returned my funds. On XX/XX/XXXX a branch XXXX for one of the XXXX XXXX locations ( XXXX XXXX ) told me that the checks were on their way. It is now XX/XX/XXXX, the checks have not arrived, and I truly doubt that the checks will ever arrive. When I asked for tracking numbers, Chase Support told me via a XXXX XXXX that the checks had been sent via XXXX and that there are no tracking numbers. 
Chase Bank has stolen over {$140000.00} from my businesses. I would like my money back. I have also filed a complaint with the California Attorney General 's office.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transunion charged my credit card without my knowledge or consent. They charged my card 22 months at XXXX a month. At no point did I agree to pay them. Their month charges costs me over limit fees, interests costs, and they refused to fix this problem. The manager said that they will make a note on the account to not make any refunds. I believe that I am a victim of a scam. Transunion should not have been charging my card for any reason.
Consumer complaint received 2022-11-06
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. (CA)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$1000.00} was stolen from my XXXX account and Bank if America is saying that it was not fraudulent. The transaction happened an hour away and I have never been to that county or town. They are not answering their phones even when I call as soon as they open ( XXXX EST ). They hang up on me after one hour of waiting and I never get to speak to a representative. I had an additional {$520.00} stolen as well that I did not bother reporting because of the previous incident. The only reason I'm reporting the {$1000.00} is because Bank of America is saying that it was not fraud and they are charging me for it. I requested all documentation on XXXX, while the {$1000.00} incident occurred two months ago. They are trying to make me the culprit in the situation when I'm the victim to theft and then making me pay for it. So essentially I'm losing an extra {$1000.00} and I am so confused as to why when it wasn't my doing.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2020-08-13
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. (TX)

Im disputing the XXXX XXXX XXXXXXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


XXXX XXXX XXXX  {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XXXX  XXXX Past due amount {$24000.00} Original loan amount {$45000.00} This information isnt correct, I have stated that there is incorrect information that needs to be corrected or removed. You should list out the inaccurate information in your letter. 

If the incorrect information cant be verified, remove the charge off. 

I will be contacting a lawyer regarding this because you have been reporting false information for more than a year.