davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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 2021-08-23
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: The Law Offices of Mitchell D. Bluhm & Associates (VA)

I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

CHASE CREDIT CARD HAD WRONG ADDRESS ON ACCOUNT I CORRECTED IT BUT THEY ARE NOT REMOVING LATE PAYMENTS ON ACCOUNT THAT WAS THERE ISSUE FOR HAVING WRONG ADRRESS
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (AZ)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-23
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: CITIBANK, N.A. (WA)

I have an unauthorized hard inquiry on my XXXX  credit report by CBNA Citi Cards. I filed a dispute with XXXX  and they contacted CBNA and CBNA Citi Cards reported to them it was an authorized inquiry when it was not. I contacted XXXX  again and they said CBNA Citi Cards has reported to them that I applied for credit with them when I have not. XXXX  said I have to contact CBNA Citi Cards to have them submit a deletion request. CBNA Citi Cards is telling me to resolve it with XXXX. No one is willing to fix this for me. There is no contact information for CBNA Citi Cards to dispute and resolve this issue. All customer service numbers are for active accounts which I do not have so they are not able to help me.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OK)

Hi, This is a follow up to complaint XXXX. 

Synchrony Bank did not credit my XXXX payment. I made the payment on XX/XX/XXXX. I then made another payment on XX/XX/XXXX because the said I was late. That is when I realized that I made 2 payments on XX/XX/XXXX, but 1 was for XXXX. Sychrony IMMEDIATELY lowered my credit limit from {$10000.00} to {$1900.00}, which was right around what I owe on it under a promotion. So I got in touch with them, and told them what happened. They agreed with me that the payment for XXXX was made, and waived the late fee. However, they refused to put my credit limit back to {$10000.00}. They stated they sent me a letter detailing this on XX/XX/XXXX, the same day I made that 2nd payment. Which if you look at my last letter from them, they were going to take retaliatory action with anything that may happen. So they sent me a copy of the supposed letter they sent as of XX/XX/XXXX, which, of course, was not received. In a letter dated XX/XX/XXXX, they denied my credit increase. Well, if you look at the complaint that this is a follow up to. The cancelled cards that were reopened have still done major damage to my credit score. This action was a negative action because the balance was close to the limit. Which this was a listed action on their letter. Synchrony is doing this to retaliate for me taking the proper channels in a complaint. They've already taken actions to show that they know they are wrong. They reopened all the card from the last complaint, with the same credit limit. So when they XXXX  up my XXXX payment, they waived the late fee, but made me keep the lowered my credit limit. I don't understand why they are doing this when there is a global pandemic. If you've seen the news, the CEO stepped down to the board of directors. I wonder if the mass closing of accounts had anything about that. I've heard it was. Oh, and they did what they did in XXXX. As soon as I made a payment, I got a " new statement '' email after that. I made my payment today, for the payment due on XX/XX/XXXX. Right after I made that payment, I received a new statement email. The website also did not update to the payment being met.
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. (MS)

In XX/XX/2022, I requested to be provided with all original contracts along with my signature and all receipts from the original creditor to assist me in proving that I do not owe any debt. I also asked for the information used to validate this account. XXXX is violating Hippa Laws by sending what appears to be my medical records. This is in violation of my privacy and is also being used negatively against me as I have not be given a copy of my receipts showing that I paid for services when they were rendered in person.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies that is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. 

Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I went to the US Bankruptcy Court House at XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX and spoke to a clerk and she indicated that she didn't see a bankruptcy and they wouldn't have reported a bankruptcy to the credit bureaus. I have send 4 letters to all 2 bureaus ( Experian and XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported some inaccurate information. Please assist me in this manner.
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-13
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. (FL)

XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from XXXX.
Consumer complaint received 2021-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

There was a US Bank account opened without my knowledge or approval. Ive called US bank several times to let them know its a fraudulent account however they havent done anything nor investigated. Im a victim of identity theft and whatever checking account US bank is showing on their record is not mine.
Consumer complaint received 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-06
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. (TN)

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT XXXX XXXX EXPERIAN JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY XXXX XXXX EXPERIAN CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL XXXX OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY XXXX. XXXX  XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-06
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)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States that I have a 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 2021-06-13
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. (FL)

XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from XXXX.
Consumer complaint received 2021-06-13
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. (FL)

XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from XXXX.
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

Recurring payments were set-up through XXXX to XXXX XXXX party recipient through Chase Banks ' online banking system. The recipients account was at First Bank. For over a year there was no issue in XXXX with recurring transactions. Then funds were sent to a different recipient early in XXXX. Three recurring transactions were sent to another account in XXXX, XXXX and XXXX before we caught the error. It was perplexing as we made no change to the account recipient. 

After investigation we discovered First Bank has shut off all online account activity for the recipient due to online inactivity - even the XXXX account. However, what is puzzling, is that funds should have bounced back to our account when no XXXX account is active under such email or phone. Instead funds were redirected to another account ( information was withheld due to privacy ) - we have no clue who received the funds. 

After months of speaking with First Bank, Chase Bank, and XXXX, we were offered no resolution and each company points the finger at the other. We have filed a police report and and consumer complaint with the Federal Reserves. We have lost {$1000.00} 's because of a glitch or intentional Fraudulent activity.
Consumer complaint received 2021-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I JUST REVIEWED MY MOST RECENT CREDIT REPORT AND CAME ACROSS SEVERAL ERRORS.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (GA)

This letter is regarding account # XXXX, which you claim This is not my account. This is a formal notice that your claim is disputed.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 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 2023-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I reviewed my Consumer Reports and noticed that I had Three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-08-23
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. (CA)

During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.
Consumer complaint received 2021-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On or about XX/XX/21 i recieved an email from PayPal saying that my account is now restricted and i dont have access to my funds or use the account anymore for violating their term of service. I reached out to the company and found out that they think i am associated with someone who used their service for gambling purpose. I do not use the account for that purpose. I did not know that you can be guilty by association. I do not think that association is part of their terms of service. In addition, i honestly do not even know who i am " associated '' with that cause this. My account conducta business with a plethora of people so there is no way for me to vet any " associations ''.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

Good evening, I have dispute LvnvFundG for over 6 months. Repeatedly Ive asked for proof on how they have verified with the original creditor the account was mine and the proper steps they have taken to ensure they are reporting 100 % accurate information. Month after month they are certifying to the bureaus that the account information they are reporting is accurate. When in fact there are multiple errors reported for this account. Examples of what is being reported inaccurate. 
Date Account opened. 
Account status being opened. 
Past due amount. 
This information is different from the original loan agreement. I have demanded they provide me with the original document of this account as reporting inaccurate information is stopping me from obtaining credit. XXXX and XXXX were both unable to provide accurate information so they have removed this account. I question XXXX  how they have been verifying this information is accurate on my report and get no valid response.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (TX)

Experian, XXXX and XXXX credit reporting agencies have allowed XXXX XXXX XXXX to " re-age and re-list '' old debt that was bought by them. I have XXXX collection accounts being listed by XXXX XXXX XXXX that have illegally " re-aged '' this old debts that are over XXXX XXXX XXXX. According to the XXXX, accounts older than XXXX years must be deleted from credit reports. Since the original accounts are older than XXXX years, Experian must delete all XXXX collection accounts from XXXX XXXX XXXX. XXXX is allowed to try to collect on the old debt, however, these accounts have to be deleted according to XXXX law.
Consumer complaint received 2021-06-13
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. (FL)

These companies have been doing and abusing individuals, first of all they allowed for companies to submit false information on my credit report and inquiries that I did not allowed. I am not able to log online to dispute or anything, they are always blocking me to get access to my own credit. This is completely unfair and unjust and these injustices needs to stop once and for all.
Consumer complaint received 2021-06-13
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. (FL)

These companies have been doing and abusing individuals, first of all they allowed for companies to submit false information on my credit report and inquiries that I did not allowed. I am not able to log online to dispute or anything, they are always blocking me to get access to my own credit. This is completely unfair and unjust and these injustices needs to stop once and for all.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (NY)

Back in XXXX of 2021, Specialized Loan Servicing told me they would take off the late payment so it would not reflect on my credit report but as of today they have not done so. I called them numerous times and they indicated the late payment would be removed and report it to the Credit Bureaus to remove it off my credit report but to no avail has that been done.