davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

I once owned a timeshare with XXXX XXXX  in XXXX Florida, due to COVID I explained I could not afford the property. They provided me with a lu-dod program which is paper work with my personal info agreeing to give back the property with the payment giving of XXXX $ I paid received the paperwork and I notarized the paperwork they received and dismissed the paperwork because the notary did stamp was above the signature line. Then they put a late payment on my credit report. Then they emailed it again I did the same notary and sent it again, its been 2 months since original date they received the lu dod paperwork XX/XX/2021. They are violating my consumer rights, and false late payments on my credit, 15USC 1681 under the exclusion section ( 2 ) A ( I ) I need this off of my credit as soon as possible please.
Consumer complaint received 2022-03-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX, Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/19 Balance : {$14000.00}
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

The letters are stated with items and issues.

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 2022-01-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

This complaint is for USAA debt collection practices. I sent USAA & the 3rd party collection agency they hire a do not contact letter regarding my XXXX charged out accounts usaa will ignore my letter and when the collection company has to stop by law USAA will transfer the debt and a new collection company will start harrasing me again through another " 3rd party '' USAA truly sucks and will not stop and continues to transfer the debt and updating the date on my credit report to keep it on longer.
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: Experian Information Solutions Inc. (IN)

I filed a dispute with Experian and reported to the CFPB regarding an inquiry on my credit report and the response said the inquiry was not listed. 

I checked my credit report today XX/XX/XXXX and the inquiry is still present on my report. On XX/XX/XXXX XXXX XXXX XXXX placed a hard inquiry on my experian report WITHOUT my approval. Please remove this inquiry immediately as I did not authorize this. This is my 2nd time requesting this to be removed and I was told the inquiry did not exist yet it is still on my report. Please remove the inquiry expeditiously.
Consumer complaint received 2022-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 I was frauded of {$10000.00} from people claiming to be representatives of Chase Bank. They claimed that other users took money out of my account and I had to send XXXX the amount in order to reverse the payment of {$5000.00} ( the amount that was claimed to be stolen ). I had to do this twice since the first one didnt go through, using their third-party app XXXX. 

XX/XX/XXXX XXXX pm : I called Chase customer service and was told that there was nothing that could be done, as XXXX is a third-party app and that I was the one who made the transaction. They told me to try to ask the fraudulent party for the money back politely. 

XX/XX/XXXX XXXX pm : Called back, was told that there was nothing that can be done. Argued that other people have been scammed with the same exact method. Escalated to fraud team callers supervisor, who gave in to a 10-business day recovery check as a courtesy After further investigation I noticed the exact same scenario had been performed as recently as last year with Chase and XXXX. The victim was reimbursed, while Chase is saying that I can not. 

XX/XX/XXXX XXXX : Went to Chase Bank in XXXX XXXX XXXX XXXX to get help. Spoke with XXXX XXXX and assistant manager XXXX XXXX, who checked the claims online and told me to wait until a decision has been made. 

XX/XX/XXXX XXXX : I filed a police report at the XXXX precinct. 

XX/XX/XXXX XXXX : Claim inquiry was disregarded ; moved onto the investigation. 

XX/XX/XXXX XXXX : return to Chase Bank in XXXX XXXX XXXX XXXX before it opens at XXXX. I wait almost an hour and a half. 

XX/XX/XXXX XXXX : Speak with Chase banker XXXX XXXX XXXX who dials the Claims department. 

XX/XX/XXXX XXXX : Speak with XXXX XXXX who tells me that decision will be made between XXXX of XXXX. Transfers me to his supervisor, XXXX, who lets XXXX fax over written documents and police report to the department. 

XX/XX/XXXX XXXX : Speak with XXXX on the phone. Tells me on the line that the fax was successful but was updated today that the decision was rejected that day because it was technically an " authorized transfer and Chase has no responsibility '', even though others have received their money back from the same fraud. 

XX/XX/XXXX XXXX : Transferred to supervisor XXXX XXXX of the Claims department, who tells me there's nothing Chase can do. 

XX/XX/XXXX XXXX : XXXX transfers me to XXXX of the global recovery line, who tells me to go back to the Claims department.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX***
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/21, I was shopping at Victorias Secret and the associate tried to talk me into applying for a VS credit card. I said NO, because I did not want another hard inquiry on my bureau. She told me it was only a soft inquiry. When I went to check out, I asked a second associate to confirm that the credit pull was soft vs. hard. She also confirmed it was soft. I said IF that was the case I would apply. No application was presented to me prior to applying ; therefore, there werent even terms and conditions to review, which would typically state something about the credit inquiry. They took my drivers license and opened the account. No signature required. The next day I received an alert from XXXX that they DID perform a hard pull. I am absolutely LIVID!!! Basically, I was mislead into opening the account. The account was opened with Comenity bank/Victorias Secret. Based on the misinformation provided and lack of authorization to pull hard inquiry, I want this inquiry changed to soft or completely removed from my credit report
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I sent Experian a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX XXXX which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau Experian nor the credit, XXXX XXXX XXXX  The investigation took way longer then 30 days and they never sent anything to my email as they claimed the emails were bouncing back which I doubt as this has been my correct email address for many years. They are both in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and XXXX
Consumer complaint received 2022-07-07
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. (GA)

In XXXX of XXXX, I submitted my FTC REPORT and my dispute letters to dispute unauthorized accounts and inquiries off my credit report because I was impacted by the XXXX data breech. My dispute letter and FTC REPORT was mailed to Transunion. As of XXXX XXXX a few accounts remain on my credit report. I need all accounts removed because it is effecting me from having positive credit. There is an account with XXXX on my Credit report that needs to be removed, This account is in litigation due to deceptive and predatory lending practices and this account was affected because it was between XXXX through XXXX this account was closed in XXXX. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. Based off this law I feel as though my consumer rights have been violated. Please REMOVE/ DELETE ALL ACCOUNTS. XXXX XXXX My rights are being violated because they are reporting my payment history
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I am in the process of trying to purchase a home. In XXXX I pulled all three of my credit reports. When the lender pulls my credit now for pre-approval of a home loan EXPERIAN returns with no hits. This has been done by more than one lender, btw. I have called several times since XXXX to run into a dead end. They have mailed me my report so I exist. However I dont exist when my credit is pulled using my name, ssn and dob correctly. When I log onto the EXPERIAN website and pay for my credit report the last one in there system is XX/XX/2020, it will not update although I have paid for the service. I called about this as well. They tell me a supervisor will call me back within 3 hours its been 3 months. I have emailed them with no response. They have escalated tickets they say to address the issue with no response. I have written a certified letter to get help. Today when I went to annual credit report.com it came back Experian reported incorrect information this transaction can not be completed. This has been going on to long and I cant not get help to resolve the issue to get my home loan approval. Please advise asap it is greatly appreciated,
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (LA)

XXXX is continuing to report errors and inaccurate information on my credit Report from the collection agency LockHart Morris & Montgomery original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher LockHart Morris & Montgomery ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#8362****
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus so please hear me out. A few days passed and I still did not hear anything back.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNT#XXXX
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 — Investigation took more than 30 days
Company: AVANTE (NC)

I have received a copy of my credit report and it shows company AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One continues to violate permanent Prescreened credit card opt-outs by sending unsolicited offers for credit. Please make them STOP this junk mail. I received yet another one of the unsolicited junk mail letters today XXXX/XXXX/2017 ( after  receiving several of their prior bundles of junk mail ), this time, for their Quicksilver  credit card.