davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

Dear Experian ; XXXX XXXX XXXX ; My name is XXXX XXXX and i noticed that you continue to fail to investigate and remove this inaccurate, incomplete and unverifiable account. I keep getting genetic templates that says random and pre-printed responses. Actually, cfpb just published some findings on some deficiencies on how credit report and creditors has failed to complied. And i quote : CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ". 

If this account was ever investigate it wouldn't continue to report these errors as outlined. 

This repossession is reporting still continues to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Also, this account is in several consumer statutory and federal violations. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I put money on atm and atm swallow half of my deposit and half it didnt. Im missing XXXX XXXX In total I put XXXX. And multiple calls and just promises it will be fixed in XXXX hours and money still wasnt deposited
Consumer complaint received 2021-05-13
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. (OH)

On XX/XX/ 2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( XXXX, XXXX and Transunion ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XXXX XXXX, 2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights. 

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.
Consumer complaint received 2022-04-11
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: CURO Intermediate Holdings (DC)

There are XXXX inquiries on my account that were not authorized by me. 


Speedy cash/ curo XX/XX/22 XXXX  XXXX XXXX XX/XX/22 There is no phone number for this company. 

Im not sure about the loan amounts because its not shown on my report.

I have already disputed these inquiries.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX & XX/XX/XXXX XXXX Wayfair charged me late fees, {$29.00} on XX/XX/XXXX & {$40.00} on XX/XX/XXXX. I spoke with customer service and they agreed I was not late and they agreed to refund my late fees. I had never been late before. The late fees remain on my account.
Consumer complaint received 2019-07-03
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. (TX)

I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.
Consumer complaint received 2022-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumer Finance, Inc. (MA)

Dear XXXX ; UNITED CONSUMER FINANCE ; My name is XXXX XXXX and i noticed that you continue to fail to investigate and remove this inaccurate, incomplete and unverifiable account. I keep getting genetic templates that says random and pre-printed responses. Actually, cfpb just published some findings on some deficiencies on how credit report and creditors has failed to complied. And i quote : CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ". 

If this account was ever investigate it wouldn't continue to report these errors as outlined. 

This repossession is reporting still continues to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Also, this account is in several consumer statutory and federal violations. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Consumer complaint received 2022-04-11
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. (TX)

I have disputed these hard inquiries from my equifax and XXXX reports but they wont remove them. These are fraudulent inquiries. 
XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I purchased concert tickets in XX/XX/XXXX on a Chase credit card. That credit card account was subsequently closed later in XXXX. The concert was finally canceled in XXXX due to the on-going pandemic. The merchant, XXXX, has issued a refund to the original form of payment ( the card closed in XXXX ). Chase accepted the refund ( attached screenshot from merchant system ), but since the account is closed they can not locate it in their system to give me a refund via check. Chase is holding {$530.00} of my money which they can not locate and will not refund. The merchant says they have no additional action they can take since the bank accepted the refund.
Consumer complaint received 2017-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I sent certified letters to XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX and again on XXXX XXXX disputing the collection account from United Revenue Corp in the amount of {$560.00}. On all three occasions, XXXX stated the information was verified and accurate ; however, no documentation to support their response was sent as I requested, only that the debt was verified. I contacted the creditor directly ( per the direction of XXXX if I still disagreed with their findings ) by certified mail on XXXX XXXX XXXX ( the company responded quickly stating only that the debt was verified ) and again on XXXX XXXX XXXX requesting that they validate the debt. The company signed for the certified letters on XXXX XXXX XXXX and again on XXXX XXXX XXXX but I have never received any documentation validating the debt. In fact, United Revenue Corp never responded to the XXXX XXXX XXXX certified letter. I contacted XXXX AGAIN by certified mail on XXXX XXXX XXXX advising that they did not provide any documentation to me and the creditor has not responded to my second certified letter. I received a response from XXXX today, XXXX XXXX XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company did not respond to my second certified letter. This has been ongoing for 6 months now with no resolution.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

1. Scheduled a payment forXX/XX/XXXX for full balance due of {$320.00} to XXXX/Comenity Capital Bank. Payment made through XXXX XXXX online billpayer account. 2. Received notice from XXXXComenity Bank of credit balance $ XXXX. Had not used XXXX credit card since XXXX. 3.XX/XX/XXXX - Recd notice from XXXX of ebill from XXXX/Comenity as follows : {$320.00} past due ; XXXX purchase ; XXXX finance chg ; XXXX late chg ; total bill : {$460.00}. 4. XXXX - Realized payment to XXXX had been posted to XXXX account ( both Comenity ). Notified XXXX of the error. Called Comenity, was told they would correct the postings. 5. XXXX - Returned purchase of {$110.00} to XXXX leaving a true balance of {$6.00} ( return shipping chg ). Received notice of return on XXXX completed and scheduled payment of {$6.00}. 6. XX/XX/XXXX- Checked posted activity on XXXX/Comenity. Acct. showed payment of {$320.00} and " misposted payment '' of {$320.00}. New credit balance for XXXX : $ XXXX. 7. XXXX - Checked posted activity on XXXX/Comenity. Acct. showed " misposted payment '' {$320.00} ; late payment credit - {$25.00} ; finance chg. $ XXXX. Instead of debiting the XXXX acct. and crediting the XXXX acct., they did the reverse ; and they credited {$.00} instead of {$7.00} for the finance charge. 8. Between XX/XX/XXXX andXX/XX/XXXX, I called XXXX/Comenity Customer Care at least five times. Each time the rep assured me it was a simple mistake and would be corrected. 9. XXXX - Called XXXX/Comenity Customer Care and tried again. The rep ( XXXX I.D . # XXXX ) told me the error was a simple misposting, promised to take care of it, and said to allow about a week to show up on my account. He also told me it was such an easy fix, that I should file a personal complaint against him if he did n't correct the error as promised. 10. As of XX/XX/XXXX, there has been no change posted to the account.
Consumer complaint received 2021-05-17
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: Phoenix Financial Services LLC (AL)

I didnt find out that my identity had been stolen until XXXX of XXXX, it was stolen in XXXX. The person was caught using my identity and is now in XXXX for numerous other crimes. 

I contacted Phoenix financial over a week ago and theyve yet to remove this fraudulent account. Please have them to remove this immediately. I also have the police report attached.
Consumer complaint received 2023-05-24
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. (FL)

I told the XXXX, XXXX, and Equifax to reinvestigate those accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. As this is in Violation Of 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft and under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

1. Account Name : Unknown Account # : XXXX 2. Account Name : Unknown Account # : XXXX 3. Account Name : Unknown Account # : XXXX 4. Account Name : Unknown Account # : XXXX 5. Account Name : Unknown Account # : XXXX 6. Account Name : Unknown Account # : XXXX
Consumer complaint received 2022-01-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/XXXX, I the consumer received my Investigation results from TransUnion sent XX/XX/XXXX, file # XXXX. The results stating that there's been XXXX deletions, XXXX XXXX XXXX, US DEP OF EDUCATIONXXXX, and US DEP OF EDUCATIONXXXX  Deletion is admission and TransUnion admitted to Injuring me the consumer. I the consumer Is Demanding monetary relief for the following violations : ( XXXX ), 15 usc 1681 ( a ) XXXX ( b ) -Accuracy and fairness of credit reporting ( XXXX ), 15 usc 1681a ( XXXX ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted. ( XXXX ), 15 usc 1681b ( a ) ( XXXX ) ( XXXX ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. ( XXXX ), 15 usc 1681c ( a ) -Requirements relating to information contained in consumer reports. ( XXXX ), 15 usc 1681n ( b ) - Civil liability for willful noncompliance. Each Violation under the FCRA is {$1000.00} each violation, that's {$5000.00} for all XXXX violations that I'm demanding for the Injury I sustained due to the XXXX accounts furnished on my report without prior consent of the consumer.
Consumer complaint received 2021-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-04-11
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)

According to below LAW States 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 : 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 Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with 2 different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXXXXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : 1 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX this some commercial address not even home address 4 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX InAccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2021-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed TransUnion my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681 I am entitled to {$1000.00} per violation.