davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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. (TX)

please delete these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I am attempting to temporarily lift a freeze on my Equifax report. I logged in through their web site and it says the request can not be completed. Try again later. This has happened multiple times. I tried to use their phone system and I spent time going through their phone system and I got to the a message that the request could not be completed. This is an ongoing problem with Equifax. I had no problem with lifting the freeze with XXXX and XXXX XXXX. Equifax 's system is broken and they gave me no way to contact a real person.
Consumer complaint received 2024-03-08
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. (CA)

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. ACCOUNT NAME : Dept of EdXXXX XXXX- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : 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 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 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion 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 Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$110.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I walked into a Chase Bank XXXX XXXX XXXX XXXX. to an ATM and attempted to withdraw {$1900.00}. The machine made fluttering noises etc. but never ejected the money. I let one of the bank representatives know and he printed me a receipt with information to file a formal claim. I called the same day and the representative let me know the matter would be investigated and if valid the money would be reimbursed immediately. The following day on the XXXX I received a deposit of {$1900.00} for the claim and assumed the claim was granted valid. 
A month later on XX/XX/XXXX the claim was reversed and the {$1900.00} were garnished. I called once more to inquire as to why, and the claim was refiled. Days later i received a notice stating the claim was again denied! 
I called the same XXXX  number 'Chase claims Department XXXX to appeal but they stated that I'd have to speak to the 3rd party company in charge of the ATM machines as they were who denied the claim. I called the number several times in attempt to speak to someone, twice of which i was hung up on as apparently, 'they weren't able to hear me '. The 3rd time i called, after hours of waiting, i spoke to someone and they stated i was denied the claim as the investigation proved it was an invalid claim and legers from the ATM showed the money was withdrawn. I then called again and spoke to someone in Chase 's claims dep. again to no avail. 
The matter has caused me many inconveniences and i have no way of proving my innocence as i never received the money from the ATM but have no access to cameras, ATM deposit and withdrawal ledgers etc. to prove anything. I'm afraid the overdrawn amount this has caused will eventually go to collections and cause more inconveniences. I'm being forced to pay money that was mine and was essentially stolen. Please help. Thank you
Consumer complaint received 2019-06-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I am trying to refinance my home, MR. Cooper holds a Lien on my home for a 2nd mortgage. Problem is I have never heard of them. I have never made a payment to them. And when you call customer service they have no record of my husband XXXX XXXX or me XXXX XXXX, Nothing under our social numbers, nothing under our property address .This has been going on for over 30 days and they just keep telling me they are researching it.

I have requested proof multiple times. I have asked for the NOTE lots of times and I have received.
Consumer complaint received 2022-04-09
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. (MS)

I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
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. (MS)

I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc. (FL)

Attempted to close a zero balance credit card with the company via the customer service phone number on XX/XX/2022. As of today, the card was NEVER closed and still shows available credit online. The incompetent phone representative even claimed " no '' when I asked if the closed account will report to the credit reporting agencies as account closed by consumer. The call lasted for 18 minutes, and the useless representative could not provide an answer as to why the account will not be closed and updated with the credit reporting agencies.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

This is the 10th Time Elan Financial " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).
Consumer complaint received 2022-10-15
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)

In XX/XX/2022 i vied my credit reports, and seen that ALL THREE credit bureaus were reporting false and misleading information on my credit reports, therefore i contacted the bankruptcy court in XXXX Ga, and talked to a court rep, who stated on a recorded line that the courts DO NOT REPORT TO CONSUMER REPORTING agencies, which is a FCRA VIOLATION, but she stated that the information is public and that's how the consumer reporting agencies get the information, which is a violation of my privacy pursuant FCRA laws. for only I the consumer can give permissible permission to report ANYTHING on my credit reports and only i the consumer can VALIDATE any information reporting on my credit reports, so knowing that the information was fraudulently used from PACER database by a third-party consumer reporting agency which is breaking federal laws and violating my privacy as a consumer, this information needs to be deleted from my credit reports immediately! I mailed all three credit bureaus letters on XXXX and have not heard anything from them or the investigation into this matter which is another violation of my FDCPA and FCRA rights as a consumer, i am filing this complaint today, on TRANSUNION, XXXX, XXXX for reporting false and misleading information and they are committing fraud by doing so!
Consumer complaint received 2022-04-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

This communication will serve as our Notice of Right to Cancel dated XXXX XX/XX/2022. TILA ( Truth in Lending Act, 15 USC 1601 et seq ; 15 U.S. Code 1635 - Right of rescission as to certain transactions ; 12 CFR Part 226 ; 12 CFR 1026.23 Right of rescission reg. z ) allows three ( 3 ) years to review Disclosure Documents. Full disclosure was not given. Please see attached documentation for full and complete Notice of right to cancel. These notices have been sent via USPS XXXX XX/XX/2022 certified mail.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im gettin really frustrated disputing with these credit bureaus, I send dispute letters off over a month ago on XX/XX/21 and still no response. Im very aware of the law and know according to the FCRA these disputes should be validated within 30 days and failure to do so gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I need this problem fixed ASAP I will not wait another 40 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. In Section 611 ( a ), of the FCRA it states that a failure to investigate these items within 30 days demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me.
Consumer complaint received 2019-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solutions, Inc. is attempting to collect payment from me for two accounts identified by Designed Receivable Solutions, Inc. as being account number XXXX ( {$45.00} ) and account number XXXX ( {$50.00} ). I have previously written to Designed Receivable Solutions, Inc. to request verification and explanation of the amounts owed via Designed Receivable Solutions, Inc. providing me an explanation of what the charges are for, from where they originate, and what services were provided by an original creditor to substantiate the original charges. Designed Receivable Solutions, Inc. has so far completely failed to answer my request for explanation and has failed to provide me any documentation from an original creditor supporting the request for payment. Designed Receivable Solutions, Inc. is also adding a large amount of accumulating interest to the amounts it is requesting. I am not aware of any unpaid bills that I owe, and certainly hesitate to pay for charges I don't recognize and which have no supporting documents provided to me with request for payment.
Consumer complaint received 2018-08-08
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. (MI)

On XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I received a hard inquiries on my personal Experian Credit Report from XXXX XXXX  which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX XXXX  in connection with these request on these days. I am and have been a victim of ID theft in the past and my credit reporting tool login indicates recent hacking on my profile as far back as XX/XX/XXXX. While nothing has happened this year, I would like this to be addressed as soon as possible.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I received a copy of my credit report and I have found the following items listed below to be in error : XXXXXXXX XXXX XXXX XX/XX/2022 {$29000.00} {$570.00} {$0.00} on XX/XX/2022. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. If there is a billing error, how can a payment be late? As the original creditor, I never authorized or granted permission for this to be reported. But since this is reporting, you need to report the way I state it should be reported. These late payments must be removed. Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have had a long history with what is now Capitol One Credit Cards and it has been completely unblemished. I have been asking for an account upgrade to XXXX without an annual fee and although I have been told that I would soon be getting an upgrade offer I have yet to receive XXXX in 4 years. I have always paid more than the minimum have usually carried a balance and the rest of the credit report is great. My financial status has improved greatly since I first opened the account in XX/XX/XXXX with XXXX and since Capitol One took it over in XX/XX/XXXX it has still improved. After many calls to the company for the upgrade to eliminate my annual fee I was told that I had to wait for the fee to be assessed. I did indeed call after the fee was assessed and still had to talk to XXXX people to get it done. I opened this credit card 9 years ago to establish good credit in my name and was told that this was the way to start and that the annual fee would eventually be dropped as I showed my worthiness over the years. I had no control of Capitol One buying the company, but still I have done more than show my worthiness to have my account upgraded to XXXX without an annual fee without having to close this account and starting a new XXXX.
Consumer complaint received 2022-10-25
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 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. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}
Consumer complaint received 2022-04-09
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. (CA)

Last year between XXXX - XX/XX/XXXX I used XXXX XXXX to open 2 disputes with Transunion regarding incorrect balances owed on 2 seperate credit card accounts. The accounts were showing balances instead of showing 0 balance. I wrote this out in the dispute and requested that the balances be updated. These were my 2 strongest tradelines and updated balances should have improved my scores significantly. Instead of updating the amounts, Transunion deleted both of the credit cards from my report all together. I have called numerous times and requested the reinsertion of these lines on to my report to no avail. As instructed by Transunion, I contacted the 2 credit card companies and have them do a " Request for Reinsertion '' in XXXX XXXX. Transunion STILL has not reinserted these lines. The last conversation I had with them was in XX/XX/XXXX where they were supposed to have a technician return my call. I have not heard back from them. Instead they dropped my score another XXXX points for using a card over 30 %. The 2 accounts missing from my report are : 1 XXXX XXXXd XXXX limit XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit XXXX XXXX XXXX My score should be close to XXXX, but precisely because of Transunion 's negligence and improper handling of my information, my score is significantly lower than what it should be. This is preventing me from purchasing a business right this very minute.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please verify the documents? Several of the listed accounts are not accurate, and it's causing me some distress.
Consumer complaint received 2022-01-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto has been reporting on my account and I don't have an account with them. I have tried to call them and send letters to them about this account on my credit report. I disputed this with XXXX and it was removed on XXXX, 2021 but was put back on in XX/XX/2021. I never signed any documents with them nor is it in my name. The account is showing paid off but through collections so it is a derogatory. If this can not be removed plus get this out of derogatory on my credit profile. Hopefully this can be removed.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2022-04-09
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: Exeter Finance, LLC. (CA)

I have been a victim of fraud for since 2008. Im a XXXX XXXX XXXX XXXX. I served XXXX wars for my country. While XXXX my identity was stolen. Ive written XXXX, XXXX, and XXXX XXXX several times about fraudulent inquiries and fraudulent accounts. Ive disputed these items for years. They still appear on my credit file and its impacting me to be able to get a home and other credit. Please assist. 
The accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX, which are all paid in full even though theyre fraudulent accounts. Exeter Finance which is a loan I never opened. And over 20 inquiries which theyre shouldnt be none. Please help me. Sincerely, XXXX XXXX XXXX