davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I PROVIDED THE ( IDENTITY THEFT POLICE REPORT ) AS WELL AS THE FTC REPORT i provided all the documentaion to verify my identity this is also my SECOND cfpb complaint THE said credit reporting agency has not UPDATED NOR REPORTED ACCURATE INFORMATION as should be upheld due to the F.C.R.A.

15 U.S.C 1681n 15 U.S.C 1681q has been violated by the said CREDIT REPORTING AGENCY the credit reporting agency DID NOT DELETE THE NEGATIVE ACCOUNTS NOR THE UNAUTHORIZED HARD INQUIRIES
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if  you are unable to provide me a copy of verifiable proof, you must remove the accounts listed XXXX XXXX   XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ),
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was offered a loan with this company and accepted the loan terms under the impression they were a licensed lender in my state. I made a payment on the loan and got behind on the loan and contacted the company to make payments arrangements and told the company I could only offer to pay about {$25.00} per month on the loan because I am now out of work. The company refused the payment amount. I contacted my attorney general office to check on the validity of there license status and was informed that they are not licensed in the state that I live in which is South Carolina. The fees they are charging will never allow me to repay this loan in a timely manner. They have locked me out of my online account and refuse to allow me access to review the loan terms more closely.. When I try to log in it refuses to allow me to reset my password. Also, they are reporting this loan on my credit and they are not even licensed to make loans in my state of residence per my attorney general. The original terms of the loan was only 4 months and they have also changed this on my credit report stating this loan was for a total of 19 months which is not what I originally agreed to and is also false reporting on my credit report.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this company ran unauthorized credit report on me, XXXX, XXXX me. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit report
Consumer complaint received 2017-12-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Clear Debt Solutions, LLC (CA)

XXXX XXXX XXXX is contacting my employer and direct supervisor and sharing my information with them. Also, they 're using forceful tactics and also leaving voicemails that are misleading regarding the nature of their call.
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, Chase froze my personal debit checking account 2 weeks after I received the SBA EIDL loan into my account. They said they needed documents to prove my eligibility of the loan. I provided them all the documents that they asked for, but they still will not release the funds or send the loan amount back to the SBA. Now its going on almost 4 months since this has happened, and there is no way to check what happened to the loan money.
Consumer complaint received 2022-04-02
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

when i visited XXXX  all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX bought this account from Portfolio Recovery Associates, LLC - I spoke to PRA let them know my credit card was stolen and they send statements of the account which has no idea of how to handle fraud properly or by law. Now the new debt collector calls daily, sends letters and I have told them the card was stolen and I have been through this 2 years. They have failed to help me and just send statements of the account they was used fraudulently. After several requests I have hired legal assistance because its absurd they are still trying to collect a back s they was stolen from me. It also has over {$400.00} in fees - the balance being {$570.00} they incorporated their cut and fees on a fraudulently used card. Its pathetic
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. BK OF XXXX XXXX**, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX****, THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX 438857607027****, XXXX XXXX XXXX****,  XXXX XXXX****, XXXX XXXX XXXX****, XXXX   XXXX  XXXX****, XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX XXXX****, XXXX XXXX 543362886390****
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

ACCOUNT XXXX XXXX {$1500.00} XXXX XXXX XXXX   {$580.00} and XXXX  XXXX XXXX {$1300.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AL)

On XX/XX/XXXX our CitiCard was charged {$3300.00} related to XXXX XXXX XXXX XXXX, apparently a nonprofit in California. I called Citi and was instructed to call the vendor to see if they would refund the amount and was also referred to the Fraud department. I called the number on the charge and there was no answer. I looked up the entity online and called the number noted and got the owner. He denied ever seeing that charge and they dont process charge cards. His address and number differs from that on the charge. I related this to the fraud department but they said they didnt need it and would handle it. They charge was temporarily removed. I received two messages from them on XXXX and XX/XX/XXXX that said the investigation was in progress and they would reach out if they needed further information. Today, XX/XX/XXXX, I received a letter stating that the investigation was closed because I had not responded to a request for further information but I never received a request for more information. The charge has been reposted on my account. My wife and I have never donated to this vendor and he denied having any donations of that size. This is clearly fraud. I called but they were unhelpful since the fraud department isnt open on Saturday.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX  XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX via EXXXX XXXX XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX XXXX via XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX 13. XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX-XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2021-02-03
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)

On XX/XX/2020 XXXX XXXX  called me and started asking a line of questions in regards to my property and what I think the current market value of my home is worth. 

They did NOT inform me that I was speaking to a licensed loan officer XXXX XXXX  XXXX nor did they imply in any way I was answering questions for any application. 

They were simply asking me questions about my current mortgage and going over my property value and current interest rates, and they told me that they needed to ask me for my personal information for security reasons. 

I absolutely DID NOT, in any way shape or form give them permission to pull my credit. 
I did not ask them the refinance my home. I did not ask them to see if I qualify. 

XXXX XXXX  from XXXX XXXX  pulled my credit without my permission and did not inform me that she was doing so on the call. 

Then I spoke to her associate XXXX XXXX from XXXX  XXXX  right afterwards about the situation and told her what happened and she assured me that they would remove the inquiry. 

She requested that I send them a written request for the inquiry to be removed, and I sent them a letter via email. 

They did not comply and the inquiry remains on my report till this day. I would like this inquiry removed from my report immediately. 


a. Date of Inquiry ( XXXX  ) b. Company name on the inquiry ( XXXX XXXX XXXX XXXX XXXX c. Request to delete the inquiry
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (NC)

I made a purchase with XXXX for a XXXX XXXX XXXX. I was paying XXXX directly but they then later sent my account to a finance company to take over payments. I have set up several payment arrangements about this matter and they continue to call me saying that i am past due. I have asked for a copy of my payment history and they are refusing to send me that information. I advised them that I am not authorizing any further payments until I can review the documents. they say that I have 24 hrs I said that it was not enough time and they said 24 hrs or they are going to charge me 35 % more and send me to collections. I did get upset with them on the phone as I am not neglecting anything I am just trying to make sure I am not over paying them. one rep tells me " you do not have the money that 's why you are not paying '' these people are unprofessional and plan to file a number of complaints with DOJ.
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (NC)

Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX : To Whom It May Concern : I have recently been informed that you are still allowing derogatory information to be reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw an entry listing that I owe {$36.00} in XX/XX/XXXX. 

I challenge the accuracy, compliance and reporting of this listing. The account you are reporting is not mine. 

Please validate this information with XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I am formally requesting that this information be immediately deleted from the credit file bearing my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office
Consumer complaint received 2019-08-13
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)

The late payment reporting on XXXX XXXX is incorrect.. I was not late on XX/XX/2017. Please remove it from my credit report
Consumer complaint received 2019-08-13
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: KLS Financial Services, Inc (NC)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : To Whom It May Concern : I have recently been informed that you are still allowing derogatory information to be reported by KLS FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw an entry listing that I owe {$36.00} in XX/XX/XXXX. 

I challenge the accuracy, compliance and reporting of this listing. The account you are reporting is not mine. 

Please validate this information with KLS FINANCIAL SERVICES and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I am formally requesting that this information be immediately deleted from the credit file bearing my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office