davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (AR)

I have already sent a letter to the Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX, requesting the verification and deletion of the accounts and information on my credit file which I found to be fraudulent items. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act sections 605n, within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Let me remind you that under the Fair Credit Reporting Act section 605b, you are expected to remove the disputed accounts and information off of my Credit File as they resulted due to identity theft. If you claim the items are accurate and verified, send me copies of proof or any documents supporting your claims. If you are unable to provide such documents, I need you to remove the disputed items immediately.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mortgage company, Bank of America, is reporting me late for the month of XX/XX/2020. I WAS NOT LATE. I sent my normal payment and they held the payment and did not apply it due a dispute that I am having with a home improvement program that I used to upgrade my home. The home improvement company added their entire principal and interest payment to my property taxes which caused my payment to double. I was in the process of applying for a consolidation loan with Bank of America to payoff the home improvement company and was advised to continue making my regular monthly payment. They late reported caused my credit score to drop below the required minimum which has caused them ( Bank of America ) to decline my loan until I can get my score back up. The reported late caused my credit score to drop by 74 points.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

When I reviewed my credit report once more, I discovered that some of the information was erroneous. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$230.00}
Consumer complaint received 2023-01-27
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TransUnion for their failure to adhere to the proper time frame for investigations. I requested an investigation to an error on my credit report, and was informed by TransUnion that it would take 60 days to complete. However, according to the Fair Credit Reporting Act, I am entitled to a resolution within 30 days of my request. 

I am requesting that the CFPB take appropriate action to ensure that TransUnion is following the legal time frame for investigations and that my credit report is corrected in a timely manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at 3 are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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. (FL)

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2022-08-01
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 (CA)

Friday XX/XX/2022 XXXX am XXXX charged my CHIME Card XXXX XXXX 
I did not make this purchase. 
I filed a claim and disputed the transaction twice only to be denied. 
I will include my email i sent to CHIME SUPPORT ( i was told to do from a representative at CHIME ) after I WAS denied the first time. 


My name is XXXX XXXX XXXX dispute claim #. I was recently charged XXXX from a online grocery store called XXXX. 
CHIME has denied my claim. This is unacceptable. I did not make that charge! I deposited XXXX at a XXXX to make a cell phone payment that was past due and reconnect my service, when I was told the card was not going through. I had justade that deposit and upon checking the app, XXXX was charged. 
I have no clue what XXXX is????? I did not use my card at all for that. 
It says it's based out of Pennsylvania? I live in XXXX XXXX! 
I then had to deposit more funds that same day to get my cell phone on. 
While on the phone with XXXX I made sure they did not run the card until I told them I just made the deposit and charge to avoid any other breaches to take my hard earned money. 
I am now completely terrified to deposit any money to that card, and i pay important bills with it. Not only will someone possibly make a fraudulent Charge, CHIME does a lazy investigation only to denie my claim? 
I need every dollar I make, and to have XXXX dollars stolen and then being told there were was nothing CHIME can do is absolutely unacceptable! 
Someone need to help me. I'm an honest person only trying to pay my bills, and CHIME has allowed a breach and has does nothing for me when I need the help. 
All I want is my money back. Do whatever you have to do. Check where the card was ran, do something. But I did not make that charge and want this resolved ASAP. 
My funds are limited and I need that money. Thank you. Please contact me with good news. This is entirely unfair. I can provide any information needed with honesty. But indid not make that charge!!!!!
Consumer complaint received 2020-05-20
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. (IL)

I have sent multiple letters advising of the issues and requesting their method of verification. The last letter sent was certified and was delivered to this credit bureau on XX/XX/XXXX. I have placed multiple calls ( all of which had extremely long wait times ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I placed these calls because I have been transferred to voicemail, the calls have somehow become disconnected after finally reaching someone, or they advised they will enter a dispute only for me to receive the same message advising the creditor advised them the information is accurate. '' This statement means nothing to me when I know the information is not accurate. 

I have spoken with some of their agents who have advised me that the creditor or credit agency just has to advise them the information is correct without furnishing anything. When I further inquire about this, then I am told the credit bureau does not have to tell me how they verified the information at all, as long as the creditor or agency says it is true, it can stay on my report. This is not only untrue, but it is also illegal and unethical. I have invested a lot of time trying to peacefully and expeditiously resolve these issues, however they remain determined to report inaccurate information and refuse to verify or furnish any information justifying their continuous reporting of inaccurate information. It has been almost 2 months since they received the certified letter and I am still fighting to have my information corrected.
Consumer complaint received 2023-01-30
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection
Consumer complaint received 2023-01-30
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (AZ)

Hello my name is XXXX XXXX, I have received a numerous letter in the stating I have been subpoena and have and have to show up yo court, but never gave a date nor time. The on Wednesday XX/XX/ A man showed up to my house when I wasn't home. My wife answered to door and ask if I was home and my said " No '' the this unknown ( who never identified himself ) Stated ( to my wife ) " These papers are for XXXX he's been served " and then hands the papers to my wife. The man did threatened to freeze our bank account and garnish our wages. I then call the number provided and was answered by someone who claims to be a lawyer and he said if we didn't pay the debt they will continue to show up at our home and place of work. My wife and I are at a lost and we could really use some guidance. 


The name of the company BLITT AND GAINES P.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (VA)

On or around XX/XX/2020 I applied for a car loan refinance with PenFed Credit Union online. The application was under review and when the term and rate was given to me I declined the loan as they were not better that what I currently have. Additionally I called back to their customer service department and requested that the application would be cancelled. To my surprise the representative said that it was approved and that paper work was sent to my address for signature to which I reply that I didn't accepted the terms and conditions of the loan. The rep told me not to worry that she would cancel the application and that if I don't use the check nothing would happened ( which I haven't used the check ). On XX/XX/2020 I received an email notification that a payment to a car loan was due on XX/XX/XXXX, this came to a surprise to me and called back. The new rep said that I accepted the loan ( which I haven't since the beginning ). I told to cancel the loan and make the corrections on reporting to the credit agencies and to send me notification of cancellation of loan.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A creditor who has purchased my old charged off debt ( XXXX XXXX ) refuses to remove from my credit report, ( TransUnion ) the other bureaus have removed this account. I do not have signed contract or a contractual relationship with this entity. This creditor or purchaser continues to re-list this account on TransUnion as New Credit. This in my opinion is illegal. I have tried repeatedly to dispute this for 5 straight years! This is ridiculous. The debt was charged off by the previous creditor. I dont owe anyone who I dont have a contract with. I have never entered into a contract with XXXX XXXX XXXX Thank you
Consumer complaint received 2023-01-30
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (NC)

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to SPRING OAK CAPITAL. I requested that the account be validated and asked for documentation below listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( XXXX ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; SPRIN OAK CAPITAL ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character SPRING OAK also has no license to collect in the state of North Carolina and the lied when I called and stated they had a license to collect. See Licenses in attachment. SPRING OAK is in violation of multiple US Codes, Privacy Act of 1974, FDCPA, CFR and FCRA. SPRING OAK COLLECTION ACCOUNT are to be removed from my credit report Per 15 USC 6802.
Consumer complaint received 2020-05-20
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX  XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-08-08
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: JPMORGAN CHASE & CO. (LA)

In accordance with a fair credit reporting act [ JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

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