davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX  XX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20
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: IDAHO CENTRAL CREDIT UNION (AZ)

Idaho central credit union is report a charge off account to my credit report that is inaccurate. I filed a 1099c debt cancellation form with the irs and it was accepted. Per the federal fair credit reporting act no income can be reported to your credit report. Once the irs accepted the 1099c for this account became income to be filed on my taxes. This account needs to be removed immediately
Consumer complaint received 2021-09-28
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: Resurgent Capital Services L.P. (LA)

Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!
Consumer complaint received 2021-09-28
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: CHECK INTO CASH INC. (LA)

Remove All Inaccurate Information from my Credit Reports. ( Warning!!!! ) I received a copy of my credit report and found you are reporting incorrect information to the credit bureaus!! 
Under federal law, as a furnisher of information to consumer reporting agencies, you must conduct a reasonable investigation of my dispute and you must complete this investigation within 30 days of receipt of this letter. I demand that this information be investigated and either verified or removed from my report. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. ( You Have Been Warned!!!! ) Please send me confirmation the information has been removed from my credit files ASAP!!
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Submitting a complaint claim XXXX. Wells Fargo claims assistance Center In XX/XX/XXXX A check made out to XXXX XXXX XXXX was stolen, altered and cashed. [ See attachment check # XXXX }. 
I did not become aware of this theft until XX/XX/XXXX because I was out of state helping my daughter who had just given birth. 
I submitted a claim on XX/XX/XXXX It took a few stressful months for them to send me an affidavit and submit a claim On XX/XX/XXXX I received a letter from Wells Fargo saying I would hear from them in 90 to 120 days. Funds would either be returned to my account or I would receive a letter explaining the outcome. It has been 120 days, I have not heard from them. I reached out to them twice and was told that some one would call me back in 24 to 48 hours. In both instances they did not contact me [ See copy of Wells Fargo Letter } My husband and I are XXXX  and XXXX years of age and we have been long term responsible clients of Wells Fargo I am hoping that you can help me reclaim these funds.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX XXXX made an early payment to jpmcb to pay {$2800.00} balance in full. Payments due on the XXXX of the month. Perfect payment history 7 years,, the total history of credit card account with jpmcb. 
. Having XXXX other accounts linked to my jpmcb account for payments, I clicked the wrong account by accident. 
. Immediately called jpmc to inform them of my mistake,, to avoid all hidden fees and penalties they give, and so they would not XXXX attempt to charge that account and to place full balance available to pay with correct linked account. 
. Called linked bank to stop payment, return was complete in 2 days. 

XXXX XXXX. Before my balance was made back available to pay, jpmcb made XXXX attempt despite me not authorizing the transaction. 
. With j p morgan chase bank they refuse to abide by laws, codes of ethics, as well as promise to customers advertised below their faulty charges, again! 
. jpmc did not return my credit card balance until XX/XX/XXXX, actually forcing a late fee along with high interest charges, because my bill is due on the XXXX of every month. 
. I can not pay on a {$0.00} balance so they default and need to reverse, remove, and FIX all damages done to my well being dropping my XXXX XXXX from the XXXX to the low XXXX within 2 months. 
. I paid all monies that I've ever spent back to jpmc, while actually i never owed them a XXXX as the money they loan me never exist while using the credit card. 
. Customer service and supervisors seem to like to blame systematics on the neglect and lack of proper XXXX XXXX over providing customers with proper help when dealing with their financial info, credit profiles as well. I only was assured of what they can't and or won't honor to me by law. 
. I've been calling jpmc all year, month by month trying to get this settled, only to be ignored, lied too, hung up on, and harassed but debt XXXX as well and threats to freeze my account for multiple late and missed payments. 
. CONC XXXX, XXXX, XXXX direct violation to me, consumer, as well as other codes, laws, and duties due to me spawning from XXXX and XXXX.
Consumer complaint received 2024-01-31
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. (GA)

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00}.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 




XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/2023 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 2021-09-28
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: SYNCHRONY FINANCIAL (PA)

I received a letter from Synchrony Bank claiming that I applied for a LUXURY loan. I have no recollection of applying for this. Synchrony needs to remove this inquiry from the Credit Report. I'm copying XXXX on this complaint. This is incredibly concerning.
Consumer complaint received 2023-07-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SANTANDER HOLDINGS USA, INC. (VA)

Every so often I get phone calls about an auto loan I have had with Santander Consumer and that I owe the company the remaining balance for a default loan that went into repossession. I have reached out in the past to Santander as well as today as far as this and they stated then as well as now that the account was closed and sold off to a 3rd party. I went to court in 2016 in regards to the past due balance and currently making payments still with the same company so I am unsure as to why I am getting these calls still but I have been getting these calls every few years since 2016 and this being processed in court.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

I have 3 credit cards from US Bank. Changed my payment bank account to new bank account. But US Bank can't handle it at all. When i am trying to setup auto pay, I am getting this error : Our system isn't cooperating. Please try again. Our system isn't cooperating, Please try again. Talked to customer service on XXXX XX/XX/2023 during XXXX XXXX onwards. Later to supervisor. Nobody is of any help - in fact they don't know what are they talking about? 

Filed CPFB complaint " XXXX ''. They send me wrong instructions to setup automatic payment. Contacted XXXX at XXXX XXXX  Central times. 3 transfer and nothing done.
Consumer complaint received 2023-01-23
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: GOLDMAN SACHS BANK USA (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Notice of Agent I was Denied a loan application which is against the equal credit opportunity Act, I'm granting the company the right to extended credit to me therefore they have no right to deny a natural person. I am not a borrower and and I am credit worthy, further more my credit was used and I received no benefit from the use of my credit, an inquiry was placed on my consumer report which is a receipt of transaction meaning someone was paid off of my credit and I received no benefit at all ; in fact damages have been done from the denial of my rights mentally and financially. I have been discriminated against in pursuant of my right to receive credit 15 U.S.C. 1691 ( e ) ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. there is no law for reason of denial, for the damages that have been to my mental distress and financial reputation as I take my consumer report and life seriously. I will take this to a further federal level if my request to open an account in which an adverse action has taken place is not granted. I'm aware of my open ended credit plan and my right to contract unlimited without being denied, I demand your company reinvestigate this matter and abide by federal law and open up the account in which I have extended credit.
Consumer complaint received 2024-01-31
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
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. (MO)

I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the ongoing issues with the late opening and removal of the late closed status on my account. 

Despite numerous attempts to address these concerns, it is disheartening to inform you that the problems persist, causing significant inconvenience and dissatisfaction. I initially brought the matter to your attention, and despite multiple efforts on my part, the resolution remains elusive. 

The delay in opening my account has created challenges that I had not anticipated, affecting my ability to utilize the services provided by your company as intended. Additionally, the persistence of the late closed status is a matter of grave concern, impacting my creditworthiness and causing undue stress. 

I have made repeated attempts to rectify these issues through your customer service channels, providing all necessary information and documentation. However, the lack of a comprehensive and effective resolution is both disappointing and unacceptable. 

I request that you urgently investigate the root causes of these persistent problems and take immediate corrective action. It is imperative that my account is opened without further delay, and the late closed status is promptly removed to restore my financial standing. 

I expect transparent communication regarding the steps being taken to resolve these matters and seek assurance that similar issues will not occur in the future. Timely and effective resolution is crucial to maintaining my trust in your company 's commitment to customer satisfaction. 

If these issues are not promptly addressed, I may have no choice but to escalate this matter through regulatory channels to seek a fair and just resolution. I am asking for your assistance to correct these late open accounts and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Consumer complaint received 2024-01-31
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. (IL)

I found an issue in my consumer report regarding my credit account with XXXX XXXX XXXX ( Account Number : XXXX ). There's an unexpected 60-day late payment entry, and I believe it needs prompt attention. 

I kindly ask for a thorough investigation into this matter, along with documented evidence like statements supporting the legitimacy of the reported 60-day late payment. I'm eager to understand the basis for this entry and hope your agency can provide clarification. 

If, upon investigation, you can't confirm the accuracy of the 60-day late payment entry, I insist on a quick update of the record to show the accurate statuspaid on time. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. 

I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Consumer complaint received 2024-01-31
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. (MI)

I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 XXXX XXXX XXXX XXXX ( G ) XXXX XXXX XXXX XXXX XXXX XXXX ( A )
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: L.B.Gray LLC A Debt Collection Agency (IN)

Lb Gray for {$400.00} XXXX XXXX is Not my debt and Ive sent a dispute its been on my report for more than 7 years Also I want previous addresses removed off my report if its not current