davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XX/XX/2017 I applied for a XXXX  credit card & I was approved. This was the first credit card I have had in many years. The limit was {$500.00} to start. First I got an oil change & two new tires & a few months later, I bought a battery. I paid {$50.00} to {$60.00} a month for 6 months by check with XXXX XXXX from my XXXX  Account. InXX/XX/2017 I got a phone call from Citibank. They said to me they want to know when will I make my first payment on my account, I told them I have made several payments starting in XX/XX/2017. They told me to give them proof, so I gave them the conformation numbers from all my payment and she said that don't show anything. I asked if you guys didn't get not one payment, why did you wait 6 months to tell me? She then told me to call my bank and ask them to send some type of paper that they have showing I paid through them, some kind of code that only ppl who works at a bank would know what that paper was & my bank told me that they can't do that, so I pulled up my acct with XXXX & screen shot all the payments that I paid sence XX/XX/2017 and when ask for their email address to forward to Citibank, the lady told me to just pay the pass due bill and we won't charge interest or late fees, I said no because all payments for 6 month have been paid already, so we hung up. A new bill came a few days later and they set payment to {$88.00}, I told them I can only afford to pay what I always paid which was between {$50.00} & {$60.00}, they would not accept payment from me because they wanted {$88.00}, they closed my account asap and called all day every day with the same thing how they never been paid.I would call then with I don't know what you ppl did, but I have proof, they wouldn't take it and they stopped calling. They messed up my credit that I had worked hard to get it to where it was. My score was XXXX at that time, other credit cars I have was lowering my limit because of them & some closed my acct because all their negativity about non payments, all the late fees etc. I had the proof and they blew me off. Please tell me what can I do. I don't understand when XXXX   say we found what they said was to be ture when how can they when they said I never made a payment.. What was it that they showed XXXX? Thank you so much.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (NY)

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 account number # XXXX has violated my rights. 
XXXX ) XXXX Account number # XXXX XXXX ) XXXX Account number # XXXX XXXX ) XXXX XXXX  account number # XXXX XXXX ) XXXX  account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX  Account # XXXX XXXX ) XXXX XXXX  account number # 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (WA)

We believed that our final car payment of {$400.00} was taken out on XX/XX/XXXX, as is normal. No XXXX payment out, as was expected. 

I had XXXX XXXX on XX/XX/XXXX, so I made sure all my bills were handled before. 

On XX/XX/XXXX I received a letter in the mail that I from Chase stating " ACTION NEEDED : Please call us about your auto account '', stating I had a past due auto payment that was due XX/XX/XXXX. 

As mentioned, I was recovering from XXXX XXXX, so as soon as I was back up and mobile and looked at the letter I called Chase. They advised me that their system couldn't pull an amount other than the {$400.00}, confirmed the amount due ( it slightly increased due to interest in the mean time when I was recovering ) and to log into their Payment system to pay. 

I did this, and the payment cleared my bank over the long weekend on XX/XX/XXXX. To my shock, Chase also took a SECOND payment of {$400.00} on this date. This second unplanned {$400.00} led to 6 {$38.00} overdraft payments over the long weekend directly as a result of this secondary payment that we did not authorize. 

When I called immediately on XXXX to let them know what happened, XXXX let us know that it was my fault we hadn't killed the monthly {$400.00} auto payment AFTER the loan was paid off. 

Why they weren't automatically able to take the {$400.00} in XXXX but then mysteriously could again in XXXX they have never been able to explain to me. 

They advised a 10 business day hold on " the reversal '' of the {$400.00} that I didn't authorize, and then they for the second time told me that they " killed '' the normal autopay, which I had already asked they do when I called about the XX/XX/XXXX letter. 

I asked for help on the 6 overdrafts on XXXX and was told they would " escalate '' this, as I explained I was on XXXX from XXXX XXXX and that my family literally didn't have grocery money now as a result of this. 

I have been given the run around by multiple reps, multiple transfers. That 40 hours has turned into XX/XX/XXXX, and when I called again yet today for a status they advised me that they had to YET AGAIN kill the autopay a THIRD TIME and advised the reversal of the payment was due XX/XX/XXXX. Again, they gave me the run around on the fees, insisting I had to fill out a form online. 

When you fill this form online out, you get a call from a number that looks like spam, they leave an 800 number and then you go through the entire process all over, and are directed back to the same form and promise of an " escalation '' - meanwhile, I'm out nearly {$700.00} in a pandemic for PAYING OFF MY CAR LOAN like a responsible person. CFPB is my last resort for help! 

The Chase Auto Division transfers me to the " back office '' to discuss overdrafts, they immediately transfer me back to the Auto Division, and the cycle continues, no one will give me an actual answer as to who to talk to about the overdraft fees.
Consumer complaint received 2023-02-01
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. (NC)

My credit report lists an address that does not belong to me. I have lived at the same above address for over 20 years. I have never had a post office box. The incorrect address is : XXXX XXXX XXXX, XXXX, NC XXXX. Please delete this post office box address so that it does not show up on my credit report. 
I would also like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report. 

The 7 companies are : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Please correct the above information for me and mail me a copy of an updated and corrected credit report to the above address.

Ive included a copy of my NCDL, SS card, and a bank statement to prove my identity, as well as my mailing address.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via 2 different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE BURAU REPECT CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

I have notified Jpmcb of the continued disruption of my financial health due to identity theft and fraud they have did nothing to get rid of the fraudulent XXXX debits coming for my account the fraudulent cash app transactions and as well as debit card usage I dont even know what to do moving forward at this point as it stands I owe chase just a little under XXXX XXXX which I find completely ridiculous since they failed to protect my account from fraud I Demand that the fraudulent transactions be removed from my account immediately and that they clarify on where the fraudulent credit card has been open I have only ever had XXXX not XXXX credit cards with chase and the credit card that I do have from chase is riddle with fraud and they refuse to take care of the issues please help me get all this fraud off of my chase account and get it reopened I can provide a police report if necessary.
Consumer complaint received 2023-02-01
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2023-02-01
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. (NC)

I have had a charge off from XXXX XXXX XXXX XXXX on my Credit report for 7 years at a larger balance than when it was originally written off for. XXXX XXXX XXXX XXXX kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.
Consumer complaint received 2022-02-24
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. (GA)

XXXX XXXX XXXX XXXX. This company needs to audit my account and remove some of the dates that are said to be late. I am current on this account. Even when I am current the company continues to call about the upcoming payments or payments that are nit 30 days late. I have asked that the account be audited by a human and that if the company can not prove to me on paper that my payment was more than 30 days late that my account be updated and corrections made to ALL credit reporting agencies. This time period is from the beginning to present of the account.
Consumer complaint received 2021-01-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2019, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

My Mohela loans are still appearing on my credit reports ( XXXX and XXXX ) as active. These loans were discharged through XXXX and I received notice of this discharge on XX/XX/. It has been a significant time since this, including the arbitrary 90 days stated by Mohela, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report immediately.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I was looking over my consumer report on XXXX and noticed that there is address that is incorrect on my credit profile. I have never resided at XXXXXXXX XXXX XXXX XXXX XXXX in XXXX Texas and this information should be deleted from my credit report. I have provided a check stub and my driver licenses as proof of my residency. I noticed that there were inquires on my credit report that I did consent to. I am requesting the following inquires to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2023-02-01
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. (NC)

I recently disputed an account that did not belong to me ( XXXX XXXX  XXXX account : XXXX ) As a result of that dispute, the account was removed from my credit report on XX/XX/2022. This information can be verified via Report XXXX XXXX. 
( I have copied and pasted this report below : ) What happened? 
The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been removed from your credit report. 
Source : Experian Date Submitted : XXXXXXXX XXXX XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX If my understanding is correct, once a disputed account has been deleted from your credit report, it can not be placed back on your credit report. That is the purpose of this letter, to inform you that this account has been placed back on my credit report after it was previously deleted. 
Please remove this account from my credit report, again, and send me an updated copy, via XXXX, showing the item has been removed. 
Thank you, XXXX XXXX.
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uplift, Inc (MI)

I purchased flight tickets to fly on XXXX XXXX. I used a company called uplift. I did this in XXXX so that I could fly on XX/XX/XXXX of this year. I cancelled the flight in XXXX and I contacted XXXX XXXX about the issues and was told that they would contact uplift and let them know that the reservation is cancelled, but that was never done and I was forced to pay for a flight that I never took or else uplift would put negative remarks on my credit report. So I paid for something I never used at all
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer Rights to Privacy and confidentiality under Title 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX Account # XXXX Title 15 U.S.C. 1681 section 602 A states I have the Right to Privacy.

Title 15 U.S.C. 1681 section A section 2 : It also states a consumer Reporting agency can not furnish a account without my written instruction.

Title 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

Title 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 course to believe that the information is inaccurate.