davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (TX)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In XX/XX/2019, I requested XXXX File No. XXXX Equifax File No XXXX to remove an inaccurate consumer name reported on my credit report. The report indicates a name XXXX XXXX XXXX. It is an incorrect name. Also listed is XXXX XXXX.XXXX, XXXX XXXX..also XXXX XXXX ... these name are inaccurate and XXXX has failed to remove the inaccurate names as I properly included verification of my identity, I have not received any updated credit report. This is hindering me from establishing credit. The dispute has gone over 90 days without an update and still remains reported on my credit file. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

I completed a mortgage refinance with XXXX XXXX  XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX XXXX  decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to Chase and a mortgage appeared in my personal Chase account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX XXXX  within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both Chase and XXXX XXXX  to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for Chase to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both Chase and XXXX XXXX  that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems (FL)

I consumer XXXX is filing a complaint against company Financial Data Systems for reporting two alleged debts on my consumer report that I have no idea about. Financial Data Systems did not send me the consumer any communications regarding these alleged debts before reporting such negative remarks on my consumer report. Furthermore, the company Financial Data Systems has not validated this alleged debt pursuant to 15 USC 1692g. These alleged debts has damaged my consumer report where I am not able to get approve for a business loan for my business. My business i say family 's livelihood and Financial Data Systems putting my family at risk. I am demanding that Financial Data Systems delete these negative remarks from my consumer reports emediately.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-12
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. (MI)

this was not sent in error i am a consumer by law my information was used against my consent after i brought it into the company attention they still did nothing which by law they have to.
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (KY)

Carter-Young INC is reporting an account that is entirely invalid. Over the last year I have been writing them to get them to fix the problem, but fraudulent companies are just that ... fraudulent. While I was on XXXX XXXX in the XXXX at XXXX XXXX, XXXX., I lived in an apartment outside the gate. Surely enough, I received XXXX XXXX to XXXX XXXX, XXXX. These XXXX when signed by my company XXXX and presented to the property managers takes me out of the lease 1 month after me showing them the orders, because, ol ' Uncle XXXX is forcing me to move.
Consumer complaint received 2017-08-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MT)

XXXX and Experian have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent on XXXX XXXX XXXX. The account was published as delinquent and a collection account on XXXX XXXX XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( XXXX and Experian ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

With the help of my sister I managed to get a Capital One Quick Silver credit card to be used on my travel to XXXX XXXX XXXXXXXX XXXX to attend to business matters that had been pending since Covid in 2020. On arrival in XXXX I tried to get some foreign currency at an ATM and was denied. I later learned from my sister who is more familiar with banking policies that I probably should not have tried to get any foreign currency. After I took a taxi to my hotel in XXXX I could not use my card even for a regular transaction nor could I use it anywhere else. Repeated calls to Capital resulted in denial since they required proof of who I was that required me to photograph not only my Drivers license and my U. S. Passport, but my actual social security card which I, and for that matter, anyone else I know would ever consider taking on a trip unless informed and even then I would have reservations since it is so integral to security of my identity as a U. S. citizen. It has meant that my sister has had to put money in my bank account since my own finances have been pretty meager due to Covid. I explained all this to various employees and supervisor who all stonewalled when I explained the impossibility of producing my social security card but having no reservations for submitting other types of documents to their scrutiny. They claimed that that was their policy and there were no exceptions under any circumstances even when I explained and my sister confirmed from NY that not to do so would mean I could not use their card and would require a lot of effort on the part of my sister to help me out under the circumstances.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX an account from DSNB Macys was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

Lexington Law charged an up front fee and reoccurring monthly fees to repair my credit. Nothing on my credit was ever repaired nothing negative was removed, my score did not increase, and I paid for a combined total of 2 years @ a rate of {$140.00} a month. This method is in direct violation of law on credit repair services.
Consumer complaint received 2022-04-12
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. (IN)

I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2022-04-12
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: Self Financial Inc. (FL)

There are charge offs on my credit reports. I need all of those charge off removed immediately. It shows that the accounts are paid off but those accounts never belonged to me anyways. there's an XXXX showing as well that needs to be removed i was NEVER ASSOCIATED WITH ANY OF THESE ACCOUNTS. I reached out to all parties year after year and still no removal. please remove all charge off accounts on all 3 credit bureaus. Code 15 USC 1681b Permissible Purpose states that anything reporting incorrect and fraudulently on my credit report MUST BE REMOVED ASAP. It is the law.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

I had my purse lost a few years back and now I'm seeing things on my credit report that does not belong to me.. 
Each account is showing up as inquries and or closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year>, I called Verizon Wireless Credit card company, Synchrony, about why my credit limit was decreased. I shared with the representative my payment history of not missing any payments and paying my credit card balances off, ( sometimes over time, but always paying the entire balance ). He explained the algorithm system that credit bureaus use, which led to the decrease of my credit limit. He also informed me that because it is a system, that the system does not use any human variables. He suggested that I file a complaint and request for a human to look over my application and determine if I qualify for my credit limit to increase back to its original amount of {$12000.00}. 

I spoke with a personal associate before I called Synchrony who has the same credit card that I have and he suggested that I do what the representative had stated. My associate had told me that he experienced the exact same thing and was allowed to return to his original credit limit after a human representative looked over his account and application. 

I expressed to the Synchrony representative that I wanted to pursue this opportunity and I would like to request for a human to look over my account and application. A Credit Bureau Specialist by the name XXXX XXXX did not take the time to look at my application and denied me within the hour of my request. He chose not to consider me for the opportunity, but instead denied me because he saw on my application that I was a XXXX woman. My personal associate, who is a white male received a letter from XXXX XXXX reinstating his original credit limit and apologizing for lowering his credit limit and explained to him how the algorithm does not consider human factors. XXXX XXXX also expressed to my associate his deepest regrets for any problems that may have occurred concerning the matter. But XXXX XXXX denied me the exact same opportunity and he would not look at my application any further. 

My credit limit was decreased to {$9000.00} because the algorithm suggested that I would not be able to pay off my bill. I have paid off my Synchrony credit card. I was discriminated against by XXXX XXXX and Synchrony.
Consumer complaint received 2022-04-12
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. (NJ)

Delete all The Hard Inquires from my credit reports XXXX  there is a total of 6 hard Inquires on my credit report that I don't recognize. 
1- XXXX XXXX XXXX Inquiry date XXXX 2- XXXX XXXX XXXX Inquiry date XXXX 3-XXXX XXXX XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX XXXX Inquiry date XXXX 6- XXXX XXXX Inquiry date XXXX Equifax 1- XXXX XXXX Inquiry date XXXX 2- XXXX XXXX Inquiry date XXXX 3- XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX XXXX Inquiry date XXXX XXXX 1- XXXX XXXX Inquiry date XXXX 2- XXXX XXXX Inquiry date XXXX 3- XXXX XXXX Inquiry date XXXX 4- XXXX XXXX Inquiry date XXXX 5- XXXX Inquiry date XXXX
Consumer complaint received 2022-04-12
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. (NJ)

Delete all The Hard Inquires from my credit reports Exsperian there is a total of 6 hard Inquires on my credit report that I don't recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX 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 2022-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.
Consumer complaint received 2022-04-12
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. (IN)

I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much XXXX  and XXXX stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (SD)

Credit Acceptance was not creditor I signed up for. My XXXX XXXX XXXX XXXX. Was signed with XXXX XXXX. I had everything set up on auto pay during the time of the loan when I realized XX/XX/XXXX, that it was through credit acceptance. My contract is not the same with what I agreed to and signed. The car dealership that I had purchased the vehicle from must have done some type of switch with creditors?? I need to have this disputed. This is not the agreement that I signed up for and I ended up having to give the car back because the payments were larger than what I anticipated from what I had agreed to when I signed the contract. This has been false and misleading to me as the consumer.