davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I contacted Experian about the following negative accountsXXXX  ( XXXX Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$140.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$120.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-03-21
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-21
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. (MO)

TransUnion continue to report a collection account on my credit report from XXXX XXXX XXXX. TransUnion is not complying with FRCA, XXXX is no longer is the collection agency collecting on a debt, the have sold to another company this debt. 

Also, XXXX has failed verify that the debt is mine, and if correct by providing a copy of any original documentation with a consumer contract with my signature on it, which is required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ), so in failure to do so, in accordance to section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly delete all information which can not be verified. 

For over a year I have been trying to obtain this, and all parties have failed to correct this, or matter, and I still have not received a contract proof with my signature. I am requesting TransUnion remove this unverified account from my credit report as soon as possible.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with Fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A States that I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

This complaint is against Chase Bank. In XXXX of 2022, I uncovered significant fraud that occurred on 3 of my personal debit cards with 2 banks ( chase and one other ) over the course of months. Transactions showed up on my bank statements with various XXXX merchants that I totally did not recognize. I did not authorize the transactions, I did not lose my debit cards, and I don't recognize the merchant in any way. 

I began filing disputes with the banks involved regarding the fraudulent debit card transactions. With cash app ( the other bank or debit card ), I got my money back quickly. With chase, I got provisional credit issued for one of the accounts on XX/XX/2022, but the other account, they denied my claim altogether on XX/XX/2022. 

They at first claimed that they had proof the purchases were made using a secure chip card, and therefore I had to make them. They told me this multiple times when I called customer service despite me insisting I did not make the purchase using my debit card, and I never lost it, so I know it is impossible. I eventually went into a chase bank branch and had a meeting with a banker who reviewed each transaction with me and we together confirmed the chase claims team was wrong in saying the transactions were coded as 'secure chip card used '. Each transaction was manually keyed, like I knew had to be the case. 

The banker opened a complaint for me within chase, escalated my case to the corporate office, who ultimately came back and said they weren't reopening my claim simply because the fraud charges were too long ago, and not because they were done with a secure chip card like they falsely claimed to me at first. 

Reviewing the law, I believe I am within my rights to demand that chase assist me in recovering these fraudulent funds. I never lost my debit card, and the law I read on the matter says I would be liable for transactions that occurred more than 60 days after the first fraudulent occurrence on a statement. I understand that and I want Chase to issue me refunds for the fraud occurring within those 60 days on the 2nd account like they did do on the 1st account I have with them. 

The amount of the fraud Chase is denying to help me recover is over {$5000.00} so this is a lot of money to me and very important.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga,XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX are reporting inaccurate information in my credit report and they are not complying with their own policies in a timely manner.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2023-05-19
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)

15 U.S. Code 1681 ( B ) - Permissible purpose I am reporting identity theft for all 3 consumer reporting agencies who are reporting late payments on my credit report. For the following accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX I never provided written consent to consumer reporting agencies to show late payments. This is fraud. All 3 agencies must provide evidence of written consent with my signature and date of submission or delete all late payments from my consumer report immediately.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NM)

I have one student loan account it is in good standing I talk to XXXX On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have one student loan account it is in good standing I talk to XXXX  On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today on XX/XX/2022 I was notified by Capital One that someone had made a hard inquiry on my account attempting to open a new credit card and SSN tracked an unknown address I have never used before. I believe somebody is using my information to commit fraud
Consumer complaint received 2022-03-21
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. (MI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weber & Olcese, PLC (TN)

received frequent calls. I told them the debt was settle out of court by their lawyer and that they need to contact their lawyers. they still call my home and they file a false report with credit bureau saying the account was delinquent. i have proof the account is up to date in payments. the payments are made directly to their lawyer as agreed upon.
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (AL)

I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
Experian, XX/XX/XXXX and XX/XX/XXXX all list the following inquiries which I am not responsible for : US SM BUS ADMIN XXXX ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXXXX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXMiscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX Finance ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, XXXX, and XXXX is reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name listed on my consumer report. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other address listed on my consumer report. Each credit bureau is listing different information other than whats correct. The below information needs to be removed immediately. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter 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 subchapter.
Consumer complaint received 2022-02-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Essential Lending Inc (TX)

A company called Wise Loan is taking payments regularly out of my account. I was diagnosed with XXXX recently for XXXX month. I received an alert that a late payment was on my report. The company is continuing to draft my account for payments every XXXX weeks. I have NOT missed any payments. I am XXXX XXXX XXXX and unable to log into my account. I have not been sent any notice of a XXXX day delinquency and they keep drafting my payments. They are now claiming I owe over XXXX even though I have paid XXXX. This fraud.
Consumer complaint received 2022-10-10
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. (FL)

In accordance with the Fair Credit Reporting act 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 2019-10-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

in XX/XX/2019 I took a title loan out. Agreed was {$1000.00} pay in return {$1100.00}. He wrote down how the payments would be for the 1st 5 month. The first would been {$160.00} and then each month {$130.00} every month on the XXXX XXXX. I paid in XXXX {$170.00} in XXXX XXXX in XXXX {$140.00} in XXXX {$140.00} and XXXX {$150.00} always before or the XXXX XXXX of each month so on time. When I made my payment in XXXX the lady told me I dont have to come in I can pay it over app which I did. In XXXX I called and told them I was suspended due to medical condition and been suspended since the XX/XX/XXXX with no pay. And no unemployment, I had a hearing about it yesterday. So my daughter and I which is a minor we live of {$300.00} child support, however I never missed a payment. When I went in on the XXXX this month the guy wanted the {$150.00} I paid plus a additional {$220.00} which is more then the remainder balance of {$360.00}. And on top he wants to refinance a new loan of {$750.00} which I told him I wound due. All I got is the {$150.00} I pay {$730.00} and I will pay the remainder in monthly rates until paid in full. He wrote everything on a sticky note I got a flyer nowhere stated I had to take a other loan. Besides I am from. Forgin country and English is not my first language. He told me this is how they make money. Well I am sick I was suspended with no pay even so released to work. I wait on the result of the unemployment hearing so in the mean time I only have {$300.00} which is child support. However I was never late. And being treated like this because I am a forgin resident is discriminated. I had a witness with me and it was never stated this is how they work.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I request that equifax remove out dated personal information name address jobs spouse phone numbers .I sent letters to them twice to remove these items they only removed 2 address only please remove all that is the letters I sent you { because it is alot of personal information I did not post here
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-26
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. (SC)

I explained to you before that this information on this identity theft report did not belong to me. I am asking that you delete this information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

I reviewed my credit report and saw that there were 2 collections on my credit reports from Professional Placements. I don't know who they are and never had any contracts with them. 
I sent a letter to them asking for validation of the debt-showing a contract with a signature between myself and professional placement and have not heard anything back. 

I need this inaccurate information removed from my credit account.One collection is {$89.00} and another for {$3800.00}. 

I don't owe them anything.
Consumer complaint received 2022-10-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.