davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
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. (IL)

Experian have ASSUMED a vital role pursuant to 15 usc 1681 ( 3 ) of my consumer reports and has been violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ).

As for identification I only have my Driver License which is the only identification I need pursuant to 15 usc 1681i ( a ) ( 3 ) ( C ) ( ii )
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hello, I'm been trying to fix my credit and it's been stressful dealing with XXXX EQUIFAX, AND XXXX. They are cleary ignoring my request for investigation that inaccurate accounts. I'm really trying to get my life together and they are holding me back. also, I did give XXXX EQUIFAX, AND XXXX consent to report anything on my consumer report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX Account # XXXX
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I'm been trying to fix my credit and it's been stressful dealing with XXXX XXXX, AND TRANSUNION. They are cleary ignoring my request for investigation that inaccurate accounts. I'm really trying to get my life together and they are holding me back. also, I did give XXXX XXXX, AND TRANSUNION consent to report anything on my consumer report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX Account # XXXX
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

My partner and I deposited a check into TD Bank - a branch in XXXX, XXXX XXXX ( we opened the account in XXXX XXXX, XXXX XXXX, XXXX NY during summer 2021 ) on Friday, XXXX XXXX. The bank teller said the check would clear on the upcoming Monday the XXXX. The check never cleared. We were able to use almost {$100.00} at a diner called XXXX after the deposit on Friday the XXXX. The funds were no longer made available to us after we used the money and we were supposed to have {$100.00} available. I contacted the bank teller after Monday and they told me that since it was the first check I deposited it will take more time to clear especially since XXXX XXXX was a holiday. I dont know about it being the first time because my partner said he may have deposited a check. We have both had direct deposits made into the account. In any case the bank has not allotted my partners funds to him. We have a joint account so we also have access to each others info. I also must note that logging into my TD account has been very difficult there have been times where I can not log in no matter what I do- same for my partner ( to the online portal ). I have had to set up voice recognition and had to go in person more than once to verify my identity. I have had to change my address on file more than once as well because they had an address we did not give them on file as it was an old address. It is now one week later and our funds have not been made available to us. We also deposited this check from my partners lawyer in the amount of over $ XXXX which is equivalent to perhaps a person who is a doctor or another position of that nature. My partner called TD today ( XXXX ) and they stated that the funds would be available at XXXX or XXXX. It is now XXXX am and no funds and we owe a vet bill. I made an appointment thinking that the funds would be available by now. I want to close this account down after we receive and use this money.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX is reporting on my XXXX credit report thatvi have over 600 dollars in collections.and reporting that I don't have any collections bur they are reporting the numbers which are inaccurate and its misleading to any creditor to give me any credit or financial assistance
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NJ)

During the months of XX/XX/2020 and XXXX of 2020 I was late on my payments to Comenity Bank XXXX card because of a work slow down due to the Covid 19 Global Pandemic. I made those payments before the 60 days late period, made them in full, have otherwise had an excellent payment history and since the have payed my balance down to XXXX I'm in the process of purchasing a home and these late payments are hindering this process. If there's any way their status of payed late could be removed, considering the circumstances of the Covid 19 Global Pandemic, it would be greatly appreciated as I will be able to purchase my home.
Consumer complaint received 2022-12-02
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2022-02-22
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. (TN)

PLEASE BE ADVISED THIS IS MY 2ND REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. 





Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (KS)

My business phone was not working properly with XXXX XXXX. I was losing customers due to poor phone service. Contacted customer service and was told No Problems. Take phone to our store and they will replace at no charge. Store refused to replace as promised. I had no choice to find alternate phone service. XXXX should be paying me for the Thousands of dollars of lost business. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2022-02-22
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 sent two letters to Experian to have incorrect information verified and removed they refuse to acknowledge my request by sending letters stating I did not provide sufficient identification for them to verify my identity. I submitted with my request twice, life insurance documents, current bank statements and Valid driver license.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TN)

A XXXX request of {$470.00} was taken out of my account from XXXX XXXX, phone number XXXX. Multiple requests to get said money back were declined by the other party. I called my bank ( Chase ) to see about reversing the transaction but they said they couldnt. My bank said that since the transaction is through XXXX and it was same as cash I would have to contact the other party to try to receive it back. Long story short unless the money is directly coming from your account or directly through the XXXX app neither organization can reverse the transaction. Sounds simple but I guess its not.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2018 I purchased a resume writing service ( {$290.00} ) from " XXXX  XXXX XXXX '' an online resume writing service provider using my Chase Preferred credit card. 
XX/XX/2018 I received first draft of the resume in 3 different formats. 
XX/XX/2018 I sent them an email and told them I am not happy with the resume. 
XX/XX/2018 I sent another email and told them I'm not satisfied. 
XX/XX/2018 I got another version ( 10 % change ) from the service provider. 
XX/XX/2018 I sent them an email and told them this resume isn't working for me. 
XX/XX/2018 I got an email from the service provider that I was supposed to receive a call " XXXX '' the owner I guess will call me. 
XX/XX/2018 I sent another email and told them I didn't get a call from anyone. 
__No response from them from here on __ XX/XX/2018 I opened a dispute with Chase. Case # : XXXX Between XX/XX/2018 and XX/XX/2018 - XXXX  XXXX from Chase and I played phone tags. We left at least 5 voicemails for each other. She was looking for information. We were able to speak only twice and I provided information she needed. Once when I called, I didn't have credit card on me so I couldn't verify the CC # as a result she didn't provide any service that day. 

XX/XX/2018 - I called to report that I've misplaced my CC and also discuss this dispute with someone. XXXX was the new specialist that " tried '' to help me. 

Summary of our conversation on XX/XX/2018 : After providing all the information he asked for, he put me on hold to try to get hold of the resume service provider ( XXXX XXXX XXXX ), they didn't answer. He came back on line and asked me to call him " EVERY HOUR '' so he can try to get a hold of the service provider. I asked why he can't call and talk to them without having me on the phone, he said call volumes are so high and Chase can't do that. And since service has been rendered, they can't just refund me. 

I argued that service I received isn't a service I was promised and I'm not satisfied ... he kept repeating him self. 

So I would like to file a complaint against Chase and how they handle dispute.
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I never gave permission for Transunion to report anything on my consumer credit report. This is a clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. & & Transuion never sent me any results of my request to dispute information. This is another FCRA violation committed by Transunion. Transunion is holding me up from bettering my life as the consumer. These are these accounts : ______ XXXX  Account # : XXXX __ CXXXX XXXX XXXX XXXXXXXX Account # : XXXX __ XXXX Account # XXXX __ XXXX XXXX Account # XXXX __ XXXXXXXX XXXX XXXX Account # XXXX ___ XXXXXXXX XXXX Account # XXXX __
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Have paid off numerous of my accounts in paid in full but credit burea will not update the account to correct status that thes accounts have been paid in full and are not a collect or charged off as the have reported in my credit file derogatory information for these accounts have been paid in full ans satisfied no longer derogatory accounts need updating to reflect that the accounts are no longer derogatory status
Consumer complaint received 2018-08-16
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. (GA)

First, I have disputed with Equifax for them to delete the addresses listed below as they are inaccurate and erroneous : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX DELETE ALL ADDRESSES LISTED ABOVE!! 

I have disputed these inaccurate account entries with Equifax on numerous occasions and they have stated that the items were verified. To that end, I disputed with XXXX XXXX, the third party collection agency that is reporting this inaccuracy as well. XXXX alleges that a balance for 2 accounts is due in the amount of {$1100.00}. One account for {$650.00} and the other {$480.00}, yet they were unable to provide any documentation that bore my original signature for both entries, nor any documentation that reflected the financial responsibility page for both entries. Lastly, they never ceased reporting of these inaccurate entries to the credit bureaus as requested so that I may validate the alleged debts. 

To that end, I visited XXXX XXXX XXXX ( since renamed from what XXXX alleges ) and requested a complete and comprehensive document that reflected any charges that I may allegedly owe the facility. See attached documentation that reflects a mere 1 account and a balance of {$350.00}. Equifax has allowed XXXX XXXX to continue to damage my credit worthiness with these inaccurate entries. 

DELETE these entries immediately from my credit report per attached documentation that fully justifies the inaccuracy and untruthfulness in these entries being attached to my report.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc (LA)

On XX/XX/19 I deposited XXXX to pay the remaining balance on a trip that evening that had to be paid for by XX/XX/19. Went to try to pay it. It declined my card so I went to a atm and tried it. It declined. So I then tried to transfer money from it and it declined it. I called no one there to answer. So I had to chat with a computer. And the only answer I would receive is that it must of triggered a security issue and there is nothing they can do. So finally on Monday XX/XX/19 it finally let me transfer funds. But on XX/XX/19. Still no funds. This company due to this cost me from going on a trip and lost the money I paid in it. Due to this. Something needs to be done about them holding our money captive and not releasing it. Venmo is owned by PayPal who does this all the time to people. They need to be stopped. I did not know till yesterday. I closed my paypal account long time ago for the same thing. And now for Venmo to do the same thing and owned by the same company. Yea something is up then.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX has reported to all three bureaus, that my account with XXXX XXXX is delinquent, the account shows {$0.00}. Balance because it had been paid. I contacted the collection agency multiple times over the years and recently, they stated they could not remove. I also contacted XXXX XXXX over the years and a few months ago in regards to removal of the paid account, they initially said they would reach out to the collection agency to have it removed. After no results were achieved, I called XXXX XXXX again and they stated that they couldnt do anything due to the account being in collection even though its paid.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX My parent has the same name as me. 
XXXX XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX  XXXX - Account Number:XXXX
Consumer complaint received 2022-02-22
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. (WI)

I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

1. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE Child Support Case Number : XXXX Please remove this from my credit report!
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (GA)

I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exist.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

I had a XXXX XXXX XXXX XXXX with GM Financial. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to GM Financial. Unfortunately, GM Financial reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a GM financial customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.