davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a complaint concerning a violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. Despite explicit requests for reinvestigation directed at Transunion, XXXX and XXXX and XXXX regarding the following accounts : 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 their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( XXXX ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( XXXX ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Penn Credit Corporation (GA)

Penn Credit Corporation is report FALSE information to XXXX and possibly other credit monitoring agencies. I noticed Penn Credit just faced a class action lawsuit and I guess I am just another one of their victims. The amount owed is incorrect and I am currently paying on that amount. I have also applied for assistance with the debt as it is a life-sustaining right to have electricity in the desert of XXXX. I have asked Penn Credit to fix this issue multiple times but they do not do so. They should be held accountable for harming people 's credit during a global pandemic ... Not to mention profiting off the misery of other people, this is disgusting and inhumane.
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

SANTANDER IS A CREDITOR I AM DISPUTING IN WHICH HAS BEEN DELETED FOM MY XXXX AND XXXX. I HAVE BEEN DISPUTING CURRENTLY WITH XXXX AND HAVE BEEN GIVEN THE RUN AROUND. AS THEY'VE EVEN STATED AT ONE POINT THERE WASN'T A SATANDER ACCOUNT. NOW THERE STATING SANTANDER NEEDS TO NOTIFY THEM OF A DELETION. THIS IS A COMPANY IN WHICH IS BEING SUED AND HAS MULTIPLE LAWSUITS AGAINST THEM. THE LOAN WAS INTIALLY SIGNED UNDER DISTRESS AND FOR A CAR THAT ISN'T WORKING DUE TO THE CAR DEALERSHIP DOING A DEAL FOR A FAULTY VEHICLE. THIS HAS BEEN VERY STRESSFUL AND SATANDER HAS BEEN DELETED FROM MY HUSBANDS REPORT SUCCESSFULLY. I HAVE SENT THE BUREAUD FTC COMPLAINTS AND I HAVE ALSO WORKED WITH A CREDIT REPAIR COMPANY TO FIX THIS ISSUE. THIS XXXX SANTANDER ACCOUNT IS HOLDING MY LIFE BACK AS I AM A ELDERLY PERSON.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I called the Chase credit card department ( XXXX ) and asked this question : " how can I tell when an online payment from a bank has been processed, settled, and there is no chance for a return, cancellation, or stop payment on the transaction? '' I was told that the process normally completed within XXXX or XXXX days, and I could tell when the status changed from " pending '' to " completed '' and my credit card balance reflected the payment. Based on this understanding, I made purchases for a company who provided me their XXXX checking account number and routing number. After seeing the payments go to a " completed '' status, I provided the company the goods made from my purchase using my personal credit card. Now all of the payments made over a XXXX week period are being returned. The company will not take my phone calls or return my emails, and Chase expects me to pay the debt with my funds. I believe Chase gave me incorrect information ( verbally and from their website ) and bears responsibility for this fraudulent scam.
Consumer complaint received 2018-03-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I opened two lines of credit with XXXX  XXXX in 2015 ... those were indeed mine ... A few months later I found out that someone else used my information with a different social security number to open another one. I contacted XXXX XXXX to inform them of this and they refused to remove it from my credit history, instead they added another social security number to my credit report which I have never been associated with!!! I am now being harassed my debt collectors with regard to a card that I never applied for. My information was one of the many that was compromised when these companies were hacked and this needs to be fixed.
Consumer complaint received 2024-02-09
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. (DC)

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.

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 2021-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (NC)

XX/XX/XXXX Called stating I am owe an Admin fee to an apartment complex. I stated I never lived there. He said well the still have an admin fee you owe. I said no, he started going back and forth with me, stating it's going to be on my credit, I better pay it. I said do not call anymore and he was harassing me. I hung up. Another person called right back same number. I said didn't I tell you not to call me, she said haven't spoken to you. I stated to her, do not call me again. I hung up, then blocked the number. 
XX/XX/XXXX Even though they are blocked, they have called 4 times and left harassed messages
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In regards to account XXXX XXXX  XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Consumer complaint received 2021-11-29
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent a complaint to Equifax Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means XXXX failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$79.00}
Consumer complaint received 2021-09-01
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. (LA)

TransUnion, XXXX, and XXXX  are reporting an account that is deficient of Physically verified validation. The account is XXXX XXXX Mortgage. This is an inaccurate account and needs to be removed from my consumer report. Under the FCRA the credit agencies are supposed to report accurate information. This is a violation.
Consumer complaint received 2022-08-09
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 (CA)

Multiple unauthorized credit card accounts were attempted to be opened in my name between XX/XX/2022 thru XX/XX/2022. This resulted in hard inquires on my credit report. I've contacted the ( 3 ) major credit bureaus to dispute the fraudulent activity. In addition I've contacted each creditor to close any unauthorized accounts.

I've been mostly successful in making contact with each creditor and identifying the unauthorized activity, with exception of one account ( XXXX  ). XXXX is unable to provide any information. XXXX was unable to produce an account or application, even though there was a hard inquiry on my credit report. 

The hard inquires were made from the following creditors. 
XXXX on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX XXXX on XX/XX/2022 XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 There was an unauthorized loan application on XX/XX/2022 ( XXXX XXXX XXXX XXXX  ) . I was able to reach the bank and notify them of the fraudulent activity. 

Credit reports from the 3 major credit bureaus are currently frozen and/or locked. 

XXXX is requiring supporting documentation to remove the unauthorized inquires from my credit report. Supporting documents include a " police report '' and/or a letter from each creditor. Do to the number of creditors and the tedious process of contacting each creditor, it puts an undue hardship on the victim to make the corrections.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX- Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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.
Consumer complaint received 2022-07-19
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files : XXXX : XX/XX/1971 XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

The medical debt collection account in question was opened on XX/XX/XXXX and reported by XXXX XXXX XXXX, with an original balance of {$3800.00}. This medical debt collection account was paid by the insurance company XXXX of XXXX on XX/XX/XXXX, with a total amount paid of {$3800.00}, matching the medical debt collection account on my credit report. The Original Creditor of this balance was XXXX XXXX  XXXX. In accordance with the National Consumer Assistance Plan, the medical debt collection account should have never been reported on my Credit report, as the medical debt collection account was paid by the insurance company Mutual of XXXX. My first step to having this medical debt collection account removed from my credit report was filing a dispute with Experian, where I provided the Explanation of Benefits from Mutual of XXXX, as well as the claim receipt, proving that this debt was paid to the original creditor, XXXX XXXX  XXXX. The Explanation of Benefits from XXXX XXXX  XXXX and the claim receipt were provided in separate disputes for the same medical debt collection account, as each dispute filed with Experian did not result in any action or the removal of the medical debt collection account from my credit report. Experian responded to my filed disputes of this medical debt collection account by saying they reached out to the data furnisher, the debt collection agency XXXX XXXX XXXX, and XXXX stated that the account information was accurate. Experian then refused to remove the medical debt collection account from my credit report, even though I had provided documentation in multiple disputes that this medical debt collection account was paid by the insurance company XXXX of XXXX. I then followed up this response from Experian by calling XXXX XXXX XXXX, which records the calls they receive, and XXXX told me that the Original Creditor, XXXX XXXX  XXXX told them that the account was paid, and to report it as such, but that XXXX would not stop reporting the medical debt collection account on my credit report, as they had no proof that the collection was paid by insurance. Thus, either XXXX XXXX XXXX is lying that they did not have proof of the collection being paid by insurance, or Experian did not provide the documentation attached with my multiple disputes to XXXX XXXX XXXX. The documents provided in my disputes, and this complaint, clearly show that the medical debt collection account reported on my credit report by XXXX XXXX XXXX was paid by the insurance company XXXX XXXX XXXXXXXX to the Original Creditor, XXXX XXXX  XXXX, and as a result, should be removed and not be reported on my credit report.
Consumer complaint received 2022-07-18
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. (TN)

In accordance with the Fair Credit Reporting Act, -XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX XXXX  Acoount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states that 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.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase bank checking account since XX/XX/XXXX. I made a deposit on XX/XX/XXXX at the Chase bank branch in XXXX XXXX, CA. 

The deposit total was {$1200.00}. The payment was made with 3 money orders in the amounts of {$500.00}, {$500.00} and {$210.00} respectively. 

I received a receipt from the bank deposit in the amount of {$1200.00}. 

On XX/XX/XXXX I see an adjustment to my account made by Chase debiting my account in the amount of {$290.00}. The reason noted was unintelligible stating that this was an adjustment to a deposit made for {$500.00} on XX/XX/XXXX. Chase never sent a letter nor email of explanation. 

i called Chase bank at their toll free number of XXXX i asked what the adjustment was regarding and after being placed on hold many times, I was told they did not know and to visit a Chase bank branch. 

i was transferred to a " manager '' who had a bit more information ; they stated the money orders were entered incorrectly and this adjustment was made. They directed me to the digital images of the money orders they provide online, the money order amounts were illegible. The " manager '' stated that they too could not see the money order amounts, but assured me that the amounts were {$500.00} {$210.00} and {$210.00} and not the actual values of {$500.00} {$500.00} {$210.00}. The informed me they could not see the totals and the only was to show proof of the money order amounts was to show the receipt. 

It was very difficult to find the copies but I did. I walked into the brand and showed the money order copies as well as the deposit receipt. They accept the error was made and promised an adjustment, which as the date of this filing they have not credited the {$290.00} to my account. 

I contacted them again today for the status of the credit and they said I provided the wrong copies, yet they still can not see the digital copies of the money orders they accepted. 

i am confident the copies will stand in court if that becomes necessary my greater concern is how they make digital copies of checks and money orders they make available to customers. Apparently, even the bank relies on these images and when images are not scanned properly, they rely only on guessing and shift the blame to the customer when an error occurs. 

Chase bank has shifted to an app-based or web-based bank. Bank branches do exist but the employees and managers of said branches rely on the same source for information as does the customer. So when a check, or in this case money order is scanned, if it's illegible they shift the responsibility to the customer to show proof if an error occurs and completely disregard the deposit receipt provided by the bank at the time of deposit.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acoount # 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