davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I sent a certified letter to Transunion, XXXX, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.
Consumer complaint received 2019-11-23
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: EQUIFAX, INC. (FL)

Equifax and XXXX  are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.
Consumer complaint received 2022-05-24
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. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-05-24
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX and XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my witten instructions.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (NY)

My problems is with Chase bank and XXXX  XXXX XXXX. My account were closed due to a fraud and its now XXXX I cant open my account or get any credit card because its always say credit delinquencies so I need help to remove it. My account were used by someone who used it to do fraud so please help me to fix it Thanks
Consumer complaint received 2021-12-13
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)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2022-05-24
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: CL Holdings LLC (CA)

On XX/XX/2019 /JEFFERSON CAPITAL SYSTEM added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: Professional Placement Services, LLC (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: LJ Ross Associates (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit report is saying that I have XXXX accounts and I only have XXXX accounts opened and they say I have XXXX accounts opened. The report also says that I have XXXX derogatory remark and I do not know who it is from or how to fix the issue.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX XXXXXXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

Equifax XXXX XXXX XXXX have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Ive been discrimated at the branch few years ago and it cause my accounts to be closed at bank of america my checking and my credit card and the credit card was closed due to a return payments which i didnt made and someone fraudlent log into my account and did it and but i did pay off the card in full with a loan in the amount of XXXX and the bank refused refund it back to me and also my checking account was closed by the branch due to my race which is XXXX and the branch manageXXXX in XXXX was XXXX toward me and my girlfriend told me i had to leave and take up with the account closure now i do have a open lawsult with bank of america to seek the funds of XXXX to be refunded and disputing the trade line on my credit report and have it removed. back to the checking account they closed it because of the recents checks deposits that wasnt mines and didnt give me options to dispute it as fraud number one i dont write checks someone hack into my account and deposit it and i never collect on these funds. bank of america banned me from apply a credit card and checking account and this is XXXX and unfair.. i ask them not to call me and i will try work with my lawyers to get my funds back
Consumer complaint received 2022-07-27
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)

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act DPT ED /XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX and 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 2022-05-24
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: United PanAm Financial Corp. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account UNITED AUTO CREDIT C, 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 2022-05-24
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. (NY)

I called the Transunion after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were XXXX XXXX, XXXX XXXX accounts on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Transunion not block the going with things recorded underneath which are noting mistakenly a result of extortion
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-24
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. (NY)

I called the Experian after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were XXXX XXXX, XXXX XXXX accounts on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Experian not block the going with things recorded underneath which are noting mistakenly a result of extortion
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My problems is with XXXX XXXX  and Bank of America. My account were closed due to a fraud and its now 3years I cant open my account or get any credit card because its always say credit delinquencies so I need help to remove it. My account were used by someone who used it to do fraud so please help me to fix it Thanks
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank forcibly closed the line of credit for my small business ( XXXX XXXX XXXX XXXX ) account number ending in XXXX in XXXX. I'd like to reimburse them the annual fee they charged. 

I filed a complaint with CFPB and her response on XX/XX/XXXX, XXXX XXXX XXXX, escalation representative admits that the fee of {$170.00} was for the period XX/XX/XXXX to XX/XX/XXXX. 

Since Wells Fargo unilaterally decided to close the line of credit before the annual term, I believe they should refund the entire fee since the fee was paid for the privilege of being able to draw cash anytime during that one year. 

I also suspect that my line of credit was closed because I'm a XXXX ( XXXX XXXX ) and over the age of XXXX ; i.e. the closure is based on discrimination against me because of my race and age. 

I'm asking Wells Fargo to 1. Reflect my new business address in their records 2. Refund of {$170.00} BY TRACKABLE DELIVERY to my new business address 3, An apology for giving me the runaround to return this fee that should have been automatically refunded when Wells Fargo unilaterally chose to close the account 4. An apology for engaging in unlawful XXXX and age-based discrimination in closing my line of credit account that was in good standing with no missed payment
Consumer complaint received 2023-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-24
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. (LA)

I went to a dealership to get a car at XXXX and now I have XXXX Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX VG XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and XXXX, XXXX
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been trying to remediate XXXX fraudulent credit card purchases for a Bank of America credit card ending in XXXX for over two years now. This credit card incurred XXXX charges for a subscription service named XXXX  - these transactions were not authorized and I have written proof of this in the shape of an acknowledgement by the vendor. I have repeatedly provided this information to the charge-off department at Bank of America XXXX the fraud department at Bank of America XXXX and the customer relations department at Bank of America XXXX A previous claim I submitted in XXXX resulted in an XXXX merely confirming that Bank of America 's reporting matched that of the credit bureau 's instead of actually investigating the issue - that unauthorized transactions resulted in a dormant credit card going delinquent unbeknownst to me. Bank of America has repeatedly, over and over and over refused to hear me, refused to consider the fraudulent nature of these transactions, and maintained that after 15 years of never being late with a payment, that I should be marked with broad financial consequences over {$30.00} in charges I never authorized. I have little hope this will resolve anything - like I said the last time my concerns were not even addressed and I wonder what the point of the CFPB even is if not to help the little guy suffering at the hands of a financial titan. I have a credit score over XXXX, no delinquencies other than this fraudulent claim by Bank of America and because of it I cant even get a car loan. I would like to add that I believe I am being unfairly targeted by a supervisor in the Bank of America charge off department - she has repeatedly said that she will categorically deny any claim to resolve this irregardless of what additional information I provide.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Now that I have received response from two entities none of the respondent provided information that is in dispute in full. Wells Fargo Bank now after many, many years later came with phony reason DATA BREACH. CFPB go back and look my complains and how many years I have been filing complain of entire were brush out. Data breach is not committed by account holder. How data breach took place and after so many years admits data breach took place is just phony. 
No, its great negligence and abuse of trust documents and personal information were mailed for many years and would have continued. The reason those stopped when we opened checking account and staff knew us. 
Its total and total phony loss of responsibility for Wells Fargo Bank to commute crime twice.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent letters to XXXX XXXX about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act 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 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act 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 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AK)

There is an account on my report from XXXX XXXX  that has not reported new information since XXXX 2022. There are now TWO accounts on my credit report from XXXX XXXX, even though I only hold one line of credit. The should not be two accounts on my credit report from XXXX XXXX, and the correct balance is XXXX DOLLARS.