davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

XXXX, Equifax recently replied to me regarding a complaint, stating XXXX information furnisher verified the following bankruptcies as accurate verified - XXXX  XXXX XXXX  cases ; XXXX, XXXX, XXXX. Bankruptcies we're fraudulently filed in my name Identity Theft. I will attach the letters from XXXX stating Bankruptcies we're removed. I provided to XXXX ftc report, police report information. XXXX has been violating my fcra right 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

12 CFR 1022.123 ( b ) ( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.
Consumer complaint received 2021-01-12
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. (IL)

I filed a dispute with Equifax on XX/XX/21 and they already finished their investigation on the same date. I do not feel they even investigated anything it was less then 24 hours and I feel this is unacceptable.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

At this point, I have no other recourse but to request assistance from your office, because Portfolio Recovery Associate ( PRA ) has not been responsive to multiple requests I sent them to remove their collection account from my reports due to it being long pass its statute of limitation. 

On pages XXXX through XXXX of your Consent Order, XXXX, you found that : Some of PRA 's purchase agreements put limitations on the availability of account-level documents, thus putting PRA on notice that it may not be able to access account-level documentation on all accounts purchased that would enable it to perform proper due diligence on Sale Files whose accuracy PRA has reason to doubt, investigate consumer disputes, or prove its case in contested litigation. 
Limitations on the availability of account-level documents in PRA 's contracts included : a. notifying PRA that supporting documents may only be available for a percentage of the accounts, but not identifying which accounts lacked documentation ; b. charging PRA a fee for each supporting document it requested ; c. increasing the per-document fee after PRA requests a certain percentage of documents from that Debt Portfolio or requests documents after a certain date ( e.g., {$1.00} per document after year one, {$5.00} per document after year two ) ; or d. prohibiting PRA from contacting the original creditor for information or supporting documents. 
On XX/XX/year>, PRA received my certified mail questioning the legality of their continued reporting of an alleged debt I owe XXXX to the 3 major credit reporting agencies : XXXX, XXXX and XXXX. 
I specifically asked they : a. Provide date of first delinquency from the original debt owner.

b. Prove the Statute of Limitations has not expired on this debt. 

As of XXXXXXXX XXXX, they have proven you right : I have not received an answer from PRA- They have failed to provide the information requested, despite warning them that they may be in violation of Section 623 ( a ) ( 1 ) ( B ) : Duties After Notice of Dispute from Consumer, if they did not provide the information requested ; They have also failed to permanently remove erroneous information from my reports, as I asked them to do if they were unable to provide the above requested information. 
Therefore, I am asking the CFPB to demand of PRA that all references to this debt be deleted and completely removed from my credit reports and a copy of such deletion request be sent to me immediately.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

My Chase credit card was blocked on Tuesday XXXX XXXX. I have spent about an hour on the phone with Chase representatives, after having called the number on my card. Each time, I have been told that my problem should be handled by another section of the call center. I have then been transferred. When the new agent picks up, they ask me all the details that the past agent asked, and then transfer me. 

Although it seems like we have access to customer service, Chase customer service is impossible to access.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i have tried to access my credit report on Transunion since XX/XX/2023 it keeps giving that message technical difficulties and try back. Today i tried and also spoke with 3 reps who told me to do different steps that did not work. Im trying to look at my credit report because i want to purchase a house this is holding me up. FCRA regulations are being violated and neglected. I also paid for my credit report which is only available until XX/XX/2023
Consumer complaint received 2020-12-31
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. (AZ)

I sent a dispute against XXXX  which is using fraudulent documentation. Experian obviously does not take disputes seriously as they did not look at the documentation or did not even require XXXX  to submit documentation. The documents I received from XXXX clearly shows in the right margin that it was created on XX/XX/08 long after the loan. Also an electronic signature was used. If you look at the document itself there is clearly not enough information to obtain an electronic signature. The documents appear to have been done on a computer with signature typed in. Under law the documents have too meet strict criteria in their information and the how the electronic signature is done. The electronic consent must accompany the documents to validate the signature or the documents are invalid. Bottom line I did not sign the promissory note and the fraud note has the interest changed to more than triple. The documents themselves are incomplete. XXXX is being sued by California and New York. Tens of thousands if not hundreds of thousands of borrowers are being defrauded by XXXX so why would Experian just take their word. CFPB does not have oversite over XXXX but does over the credit bureaus. So the CFPB should make the credit bureaus triple check anything from XXXX and make them submit legal documentation.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # : 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 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

ok now proof of my written authority with my consent to prove that the company is not violating my constitutional rights. these are the laws that protect my rights below since the company is telling me what ever inquiries they have what so ever... they have my written permission to put it up for two years ... by law if they can not provide information which i know i didn't consent to i am ready to get a lawyer and 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in ... states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of ... A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello. I need help getting an accurate figure from Capital One for payments on my auto loan please. I financed a XXXX XXXX XXXX on XX/XX/XXXX2019 for {$17000.00}. The main reason for my complaint is that after investigating my accounts I found that my personal checking account, capitalone.com, and my pdf/paper statements from Capital One all total different paid sums to Capital One. I only have one account with Capital One, my auto loan. I made a spreadsheet comparing the accounts side by side and downloaded all my pdf statements. My personal checking shows that I have paid {$5700.00} to Capital One Auto Loan. On Capital One 's website, and in my paper transactions, there are two different total paid sums : {$4000.00} and {$5000.00}. I am unable to resolve these discrepancies on my own, and other consumer reviews I found on a XXXX  search commented that Capital One damaged their credit scores after they contacted them trying to resolve similar discrepancies. I am past due on this auto loan at the moment and I am unable to follow the path of my past due amount in my accounts with Capital One too. After reviewing the paper work from my auto loan, I believe that the XXXX Dealer in XXXX, CA charged me for a car I traded in instead of applying the value to my loan. The dealer tried to sell me a second car over the phone last XXXX XXXX XXXX XXXX. They helped me get the loan financed through Capital One.
Consumer complaint received 2022-10-30
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: EQUIFAX, INC. (CA)

On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX CO XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX BANK XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXXL SERVICES XX/XX/22 XXXX BANK XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX  XXXX BANK XX/XX/22
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Around XXXX XXXX My debt cards and information was stolen they then proceeded to withdraw all my money over XXXX  they then place a fraudulent check of XXXX in my account and withdrew it placing my account in a negative status Ive tried to tell the bank it wasnt me but there holding me liable Ive tried to do everything but have had no luck an my accounts are going to be closed ( usaa ) I had absolutely nothing to do with it and have no money left I would think atm footage would be enough to prove its not me but Ive still had no luck
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services placed a debt on my report erroneously. I had an account with XXXX XXXX for renter 's insurance that started in XX/XX/2020 in should have ended bin XXXX. After the Covid 19 guidelines were lifted the company charged me for coverage I didn't know I had. I received notice about the debt on XX/XX/2020 regarding the debt and plans to report it to the credit bureaus if not paid. I then called them and settled the debt on XXXX the XXXX. After paying the debt before ten business days of being notified about it the company placed it on my credit report. I contacted the company and the supervisor stated that since me and the agent hadn't discussed anything about the debt going on my credit report he can't do anything about it. The original amount was {$170.00} and I settled it for half of that.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX  XXXX Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX  XXXX or To whom it may concern : I'm disputing today because my credit was sold to a credit bureau without my permission. I took a look at my credit report and it says the amount was not paid in full. We came to an agreement and I paid the full amount. A few of my consumer laws have been violated and I demand an investigation of the validity of my account and I need documentation proof that the Debt is assigned to me. You guys violated my rights of 15 U.S. Code 1681. TILA, FDCPA, and SERA. If documentation can not be provided I request removal of the account from my credit report, if you can not provide documentation in the allotted time. 
Thank you for your time. 

( *it has now been more than 30 days an no answer )
Consumer complaint received 2022-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

i have reached out several times to this company and also to the credit reporting agencies regarding this account that is listed on my credit report. its a joint account which has not been validated to be an account that I requested to open. Ive never given anyone permission to open an account with this company and have gotten no response since then regarding this matter
Consumer complaint received 2022-10-30
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. (CA)

On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX CO XX/XX/22 XXXX XXXX XXXX  XXXX/XXXX/22 XXXX XXXX XXXX/XXXX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX/XXXX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX  BANK XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX  BANK XXXX XXXX XXXXXX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX22 XXXX XXXX XXXX XXXX/22
Consumer complaint received 2024-04-15
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: Chime Financial Inc (PA)

Chime Regulatory Member Relations Team responded and closed my initial CFPB complaint which was based on Chime employees turning the XXXX XXXX XXXX account feature off, this caused an error that made my Chime credit builder account miss a payment. Chime responded to the first complaint, by stating that they submitted an update to the three credit reporting agencies, and that I should look for the update on my next months reports. Chime also advised me to contact Chime Member Services at XXXX if I feel they didnt resolve the issue. I did just that. They only resolved the issue with XXXX. As they removed the late payment error and brought my credit report back to good standing, but they didn't make the same update to my credit reports with the XXXX or XXXX credit bureaus. Actually, Chime gave different update information to all three credit bureaus, as when I called XXXX, they explained to me that instead of removing the late payment error, instead Chime requested the complete deletion of my Chime credit builder account on my XXXX credit report, and the account is no longer being reported. This is wrong, as I have proof of Chime first removing the late payment error and updating my XXXX and XXXX credit reports to a positive score of XXXX on XX/XX/2024, but then shortly after on XX/XX/2024, they updated my credit reports back to a negative reading with XXXX by adding the late payment error back to my credit report. As far as XXXX goes, again, they deleted the Chime credit builder account from being reported on my XXXX credit report. I contacted a Chime supervisor named XXXX about the issue and he told me he couldn't do anything to help me, and that I should wait for a response from their internal department. However, the Chime internal department has never contacted me. Actually, this isnt the first time Chime told me they were escalating the issue to their internal department and I should wait for their email response, which they never sent me before. Why would they do this to a good credit consumer? This is so frustrating. They lied about updating my credit reports. Whats going on? Is my Chime credit builder account supposed to be in good standing as they did on my XXXX report, is it supposed to be a bad reading as they did on my XXXX report, or is it supposed to be removed from my credit report as they did on my XXXX report. How are they allowed to make three different updates? I don't know what to do next. I may need to complain to the State Attorney General 's office, if they don't take accountability. Please Help.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021, I submitted a written request to XXXX, Transuion, and XXXX asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that XXXX, Transunion, and XXXX must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, XXXX, Transunion, and XXXX is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please list my address as the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please list my job as the following : XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. 

I have attached all letter that were sent to XXXX and also follow up letters that were sent to them as well with certified receipts. Please
Consumer complaint received 2019-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery associates claim I owe an old auto debt for which I called for a voluntary repossession to its original creditor who goes by the name of XXXX XXXX XXXX. At that time I lost my job and couldnt pay for the car. Unbeknownst to portfolio recovery associates, XXXX XXXX XXXX has already made their money back through an auction. I know this to be true because XXXX XXXX XXXX sent me the bill of sale. So if they got their money back, why would XXXX XXXX XXXX get a third party to pay them extra money that they already received from the auction? According to my attorney, since the repossession happened roughy 15 years ago, under the statutes of limitations, portfolio recovery associates are not legally able to sue me after 4 years after the repossession happened. Besides, even if they could sue me, I dont make enough money to pay them because I only make {$600.00} a month through my pension and Im struggling as it is to take care of my elderly mother.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like XXXX to sell my information to lenders I dont want to deal with?