davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

I had unauthorized transactions on my Chime bank account on XX/XX/22. The XXXX thing I did was place my card on hold, made a police report then I called chime and told them of the unauthorized transactions. They then canceled my current card and would send me a new card and said I would hear back from them in regards to the dispute. Well it took them less than XXXX to do a thorough investigation ( they say ) and sent me an email stating that my dispute was denied no explanation as to why. I don't feel this is correct in any way if they did do a thorough investigation they would see that it was clear that there was unauthorized transactions. Even looking at the times of the transactions was very close together and they only used my card as a credit card ( I never use it as a credit card ). If they were to look at cameras they would see that it was not me doing the transactions. And I would have expected that a bank would have seen how close together these transactions were and automatically put a hold on my account, but that did not happen. I should feel secure that my hard earned money would be safe and it was not. And now I am just supposed to be out {$310.00}? I don't think that I should suffer and be at a loss because they couldn't protect my money. Please help me in this matter. 

Thank you XXXX XXXX XXXX transactions are as follows XXXX. QT. {$20.00} XXXX. XXXX {$15.00} XXXXXXXX XXXX XXXX. {$4.00} XXXX. XXXX {$5.00} XXXX. XXXX {$13.00} XXXX. XXXX. {$5.00} XXXX. Frys. {$29.00} XXXX. XXXX. {$10.00} XXXX. XXXX. {$7.00} XXXX. XXXX. {$20.00} XXXX. QT. {$21.00} XXXX. QT. {$10.00} XXXX. QT. {$94.00} XXXX. Frys. {$54.00} And non of this was authorized.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

XXXX credit pass complaint to XXXX and Experian measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
Consumer complaint received 2023-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting act ( Capitol one ) Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-07-29
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. (FL)

Im XXXX XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-07-29
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've been practicing the FCRA law for a few months now with no progress and I know my rights. 

XXXX  XXXX XXXX Delete this account because the date last active is reporting 2 different dates for the last 7 months with no changes. Transunion date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. 

XXXX XXXX Delete this account because the date last active is reporting 3 different dates for the last 7 months with no changes. Transunion date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. 

XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date opened. The date has been incorrect for a few months now. 

XXXX  XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date last reported. The date has been incorrect for a few months now. 

XXXX  XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date last reported. The date has been incorrect for a few months now. 

XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date last reported. The date has been incorrect for a few months now. 

XXXX XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date last reported. The date has been incorrect for a few months now. 

XXXX XXXX XXXX Delete this account because the date last active is reporting 3 different dates. Transunion date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. XXXX date last active states N/A. The date has been incorrect for a few months now. 

XXXX XXXX Delete this account because the date last active is reporting 3 different dates. Transunion date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. XXXX date last active states N/A. The date has been incorrect for a few months now. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report In regards to the Fair Credit Reporting Act law, 15 U.S.C. Sec. 1681i ( a ), these accounts must be deleted. I want these accounts deleted since they are not 100 percent accurate.
Consumer complaint received 2022-08-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc. (NY)

I paid XXXX for the car I took the loan out for with Santander bank and was told none of that money went towards my car payments. This bank caused me to be arrested because they contacted local pct and said to them my car was stolen secondly I kept getting harassed by the police and followed everywhere I went. This bank has also caused me my education and reputation because after arrest I was not accepted to finish my last semester of classes. Thirdly, harassed at my job by calling having individuals that were my higher ups fire me. Contact my housing and had my rent raised to the same amount as my mthly payments. I live in income based housing while I went to school and built myself from being in a family shelter with my children. A class action lawsuit was taken out and they lost forgave everyones loan and they still have that I owed them {$30000.00} way more then the car was worth and plus not adding the money I paid on the car on my credit report.
Consumer complaint received 2022-07-29
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b 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 2022-08-28
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: NAVY FEDERAL CREDIT UNION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 2024-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX south XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX My NAME : XXXX XXXX My address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been working diligently on my credit health in order to be able to enjoy my life more and take more pride in my personal finances. I was never taught the importance in having good credit, and I'm hoping to learn enough and pass it onto my XXXX young adult sons and daughter, who's just beginning their credit journey. 
I had worked on my credit reports and scores, I had my FICO scores in the high XXXX 's and my XXXX scores in the low XXXX 's. Last XX/XX/XXXX, TransUnion dropped my score XXXX points, then XXXX nor XXXX decreased not even half or a third of what Transunion drops. In XXXX, I called TransUnion and asked to speak to a manager and ask why did my score dropped so much. She looked at my report, and said that XXXX XXXX looks like a new account was opened. I looked, I said no, I have XXXX auto loan through XXXX XXXX. I researched it, and XXXX XXXX changed their format of the account number, nothing more. And I WAS PUNISHED FOR SOMETHING THAT WASN'T MY DOING!. It took several months before Transunion was aligned more fairly with XXXX and XXXX. It happened again more recently. Transunion dropped me XXXX points on XXXX XX/XX/XXXX, when XXXX decreased me XXXX points XX/XX/XXXX. Because my credit utilization went over 50 % on XXXX or XXXX credit cards, I'd been keeping them below 30 %. I was financially strapped, I'd had XXXX XX/XX/XXXX, XX/XX/XXXX, and my workroom was affected. I had to buy gas and groceries with a few credit cards since I had no available cash. Now it's XX/XX/XXXX and my utilization is lower than it was before, and I've had increases in my credit limits, and my Transunion score remains XXXX. Something is going horribly wrong with that privately owned business that it appears that they drop you a XXXX points overnight but when you rectify it, TransUnion lets the increase creep up. Because of TransUnion, I wasn't about to get XXXX XXXX in order to have my senior sheltie taken care of. I couldn't afford what he needed. I don't care what anyone else says ... Transunion especially is NOT for the consumers rights and investigates fairly. I read so many complaints against all credit bureaus, but especially Transunion. Having my scores drop so suddenly and without a real explanation... I feel like an utter failure in my life. This is how important it is to me to be able to have my finances at a point where my XXXX kids won't be depleted when I XXXX.
Consumer complaint received 2022-06-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2022 a dispute was filed with Portfolio Recovery Associates , LLC regarding the debt validation for the contract assignment from the original creditor, right to do business in the state of GA, and continued reporting of 120-Day late payment to XXXX Credit Bureau . 

On XX/XX/2022 the company responded with an invoice of a bill from XXXX XXXX XXXX. Per FCRA, a collection agency is NOT allowed to report late payments on a collection account. Portfolio Recovery Associates has repeatedly failed to provide the appropriate documentation to establish their authority to collect the stated debt.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-07-29
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 — Problem with personal statement of dispute
Company: Nationwide Recovery Systems, Ltd (TX)

Last year in XXXX this same Creditor filed on my credit report it is a medical collections that came from a Collector 's office. So i disputed it with XXXX and XXXX and they took it off my Credit Report. Now it's showing the same Collector reporting but for a different amount. Last year, XXXX and XXXX deleted it of my credit report and now this time i disputed them, because i have no knowledge of who these people are and i requested a breakdown of any fees with my wet signature i did not receive anything, it only took a couple of days for the Bureau to say it was my account. I also wrote the Collector of any unlawful fees and who they are. I still haven't received anything. The name of the Entity is Nationwide Recovery Systems. I do not recall giving anyone permission to any provider or so called XXXX XXXX XXXXXXXX to release any of my medical information about me. This is a HIPPAA law. After this was added to my credit report it dropped my score, from which i have been working so hard towards. Also today XX/XX/XXXX another unknown source is claiming i owe them {$390.00} and XXXX allowed it on my credit report, i had to dispute, after it was already put on my credit report. This is causing me a financial hardship everytime, i have to go to the post office to send a certified letter dispute that's almost {$5.00} each time for each Credit Bureau and collector. Also, i am taking care of my adult son who has XXXX and with this frustration on top of it, makes it very stressful for me. I can't afford to be giving my hard earned monies to just anyone who asks for it and puts it on my credit report. This makes life very difficult. It makes it very hard to gain access to anything from applying for a home or to gain access to credit.This is not right for us consumers.
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-06-27
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: LEXISNEXIS (NJ)

This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE.

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2022-06-27
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: Early Warning Services, LLC (NJ)

This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.