davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2022-07-26
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX  XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 2022-07-26
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 2022-07-26
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)

I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal or deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-07
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (AZ)

My closed good- paid in full account with XXXX XXXX XXXX XXXX XXXX   was never reported to all credit report agencies ever. 
Apparently, XXXX XXXX is handling my account and not reporting it to all credit bureaus. 
I called their phone # XXXX and got a recording. 
I want a letter stating my good paid in full account with all information..and reported to all credit bureaus. It has been 5 years and non-compliance.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Requested an explanation for a credit inquiry which the vendor stated had never happened. I have been receiving emails, from Experian, stating the results of my dispute were ready but their web site will not allow me access to the report even though I have filled in the cells with the report numbers and ID code and my own info. You can't file anything online with them or send an email and you can't get a human on the phone. Every time I try calling I get transferred to a " report a death '' info line. And there is no ability to transfer to a live agent. I just want to be able to access my results of my dispute. Experian report XXXX XXXX XXXX XXXX XXXX XXXX Experian is IMPOSSIBLE to deal with.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-11-15
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: Experian Information Solutions Inc. (VA)

Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time I received an updated credit report stating the item was verified however there was no proof of validation
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IA)

EXPERIAN IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME AND I HAVE SUBMITTED SEVERAL TIMES MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2021 I submitted a dispute request to XXXX, as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. This is now my third attempt at submitting this complain, since XXXX is requiring an authorization. I reached out to XXXX directly on Friday, XX/XX/XXXX at XXXX XXXX EST and spoke with XXXX. XXXX advised the disputes were complete, but no change was made to my report. That obviously can be true since they're reporting incorrectly. Which lead me to next questions. Who validated the debt and what tools were used to investigate my dispute? 

XXXX advised he was unable to provide me with that information and advised I should contact the creditor. That's complete XXXX backwards seeing as how XXXX is the one impugning my representation with their inaccurate reporting. That's compounded by the fact that they didn't even perform a legitimate and reasonable investigation. 

As a consumer, protected under the FDCPA I'm entitled to know the details of any investigation in the matters of MY consumer report. Furthermore, any investigation of any erroneous, inaccurate or unverifiable 'so called debit ' is required to be handled within 30 days unless notified by the Bureau . 

XXXX is violation of the FDCPA as it pertains to the FCRA. Without covering, each article of FCRA I've determined XXXX has violated on at least 5 times, which carries a penalty up to {$1000.00} per occurrence. 

This is my last and final attempt before I submit a formal demand to be filed with the court requesting restitution. 

I am not a lawyer, but a 'natural person ' and a consumer. I demand XXXX provide remove these items from my report immediately and provide proof of the alleged debt, along with their mode of investigation.
Consumer complaint received 2023-03-23
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. (IL)

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 : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 follow 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 2018-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (CO)

Due to an emergency we had to try getting a loan and we went through inboxloan. The representatives rushed through the application making sure I signed things quickly by digital means. I even kept asking them if I could pay it off sooner to avoid charges and they said that's easily done. What they neglected to tell me is that to pay off the borrowed XXXX $ would cost me around 200-300 extra if it was paid in 1-2 months! If I stick with their payment schedule which goes for 12 months I would pay an extra {$3000.00} alone in interest and fees just to pay back {$550.00} with interest at over 700 %! I did not get the full details until the contract was signed and the representative pressuring me to sign quickly did not help with the stress of what was already happening. We live in Colorado and I know they have limits for such things but this company wants as much money as they can get and they dont care about the customers as long as they are paying them. How they are allowed to lend with such terms is beyond me and come to find out that they are also a tribal company. This still should not be allowed to continue ignoring laws of current states their customers reside in.
Consumer complaint received 2022-07-26
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-11-16
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. (GA)

I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After viewing my credit report I noticed a few details that are in correct on my Transunion credit report. I requested for my credit to be ran for an auto loan by XXXX but I did not authorize for my credit to be ran multiple times. 


XXXX XXXX XXXX ; Inquiry date XX/XX/2XXXX XXXXXXXX XXXX ; Inquiry date XX/XX/20XXXX XXXXXXXX XXXX ; Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2018-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Debt Reduction Services, LLC (NY)

I received a notice titled " Credit Settlement '' instructing me to pay {$510.00} a month to a company called Nationwide Debt Collection Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX for {$33000.00} in credit card debt. It claims to be a settlement of debt from various credit card companies. 
I believe this is totally bogus and I have no such debt so I do not plan to respond. I'm concerned that others might be taken in by this and ripped off so I am notifying you. 
The notice is XXXX Dated XX/XX/2018.
Consumer complaint received 2018-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (IL)

In XX/XX/2018, XXXX XXXX XXXX Collection Agency placed this account on my credit report for the amount of {$3500.00} on behalf of XXXX University. I have disputed this account SEVERAL times with the other collection agencies whom have owned this debt. Each time I have disputed the account, it has been removed from my credit report. I have never attended this University. This is the 6th time this debt has been added to my credit report and the 6th time I am fighting to get it removed. Furthermore, I did not receive any written letter from the University or the collection agency as to their actions of trying to collect this debt. Below is a list of dates in which this item has been removed from my credit report : XXXX XX/XX/2017 XXXX   UNIVERSITY {$3000.00} XXXX XX/XX/2016 XXXX UNIVERSITY {$3000.00} XXXX XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XXXX XX/XX/2017 07 XXXX UNIVERSITY {$3000.00} XXXX XX/XX/2016 07 XXXX   UNIVERSITY {$3000.00}
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

I disputed a bankruptcy that was reported to the credit bureaus on my credit report by XXXX. I reached out to the bureau and they said XXXX XXXX verified this bankruptcy belonged to me. I in turn reached out to XXXX XXXX  to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for XXXX to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXXXXXX XXXX Balance Owed : {$15000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$460.00}
Consumer complaint received 2017-12-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation (CA)

I had a loan with this company for 28 months. I was told I could apply for a refinancing loan. I had made all 28 payments on time. I applied for a refinance loan on XX/XX/XXXX. I signed my signature to get this loan on XX/XX/XXXX. They told me that I shouldHave a final decision in 24 hours I called every day .The represented told me they was going to make a decision. I talked to manager I was told the same information. On XX/XX/XXXX I received a message that my loan application had expired and I was invited to reapply for this loan. This process was not done in 24 hours. I waited until I made my next payment. I made my next payment on XX/XX/XXXX and I was told by one of Avant representative that I could reapply at that day and I wouldnt have to send anything more information from my bank statement.He said the information I sent it could be used. I reapplyed and the company denied me. my refinance loan in minutes. The time I apply my credit score was XXXX.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

My First Republic Banking Accounts and services were moved to Chase over the past weekend. I can not access my bill pay history or payees. 

I contacted Chase on XX/XX/24 @ XXXX - I talked to 3 people and I was on hold for a total of 44 minutes. None of the people could help me. The first 2 transferred me. The 3rd person told me the conversion was not complete. 


Now they tell me I can not see the history or use the bill pay for 5-7 business days. This was NEVER highlighted during any of their information sessions or printed material. I may be hidden in the fine print, but I can not find this 5-7 day delay. 

I asked for an extracted report of my bill pay history from Chase, but they told me they could not do this for me.