davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to the FCRA, it is TRANSUNION 's grave duty and responsibility to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT doing so. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include the reporting of 120 days past due on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consume report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. Furthermore, I did NOT give TRANSUNION written XXXX permission to furnish the inaccurate late payments on my report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). IT is VERY VERY clear that TRANSUNION has violated my rights under the FCRA and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I received my direct deposit at XXXX XXXX PST. I awakened this morning and could not access my CHIME account. I tried to use the " forget password '' option and found the phone number it attempted to send the verification code to was an unrecognizable number. I had to go through a verification process using my California Driver 's license to change the number back to access my account. I accessed my CHIME account and found my savings had been transferred to my checking, and all of my funds had been withdrawn in rapid sequential amounts starting at XXXX XXXX  PST totaling {$980.00} They are all pending. I contacted CHIME to cancel these pending transactions and return my money. And even after explaining the situation, they would not. They explained that they needed to wait 7-10 days until the transactions were settled or canceled on the merchant 's end, even after showing the illegal access occurred in New York XXXX and that I live in XXXX. I, of course, canceled the card but they will not give me my money back. They will not comply with banking laws.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint against XXXX for failing to delete and correct multiple inaccurate and fraudulent items on my credit report despite formal requests. 
These inaccuracies include wrong addresses, false account reporting, and improperly reported bankruptcies. I am suffering significant financial and personal harm due to these errors, and XXXXXXXX XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) demands action.
Consumer complaint received 2023-05-30
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. (TX)

On XX/XX/2023, I received notification from the credit bureaus that my XXXX XXXX card was reporting a late payment of {$6.00} which was incorrect. I paid the entire balance of the card in XX/XX/2023. XXXX XXXX agent informed me there was an outstanding balance of {$6.00} which was not included in the payoff which was error and that they will correct the credit bureau and waive all fees. I never received any statement showing an outstanding balance NOR received any communication from XXXX XXXX. 

Additionally, based on this incorrect late payment reporting XXXX XXXX decreased my credit line on my additional credit card. Furthermore, causing me to receive adverse action on my credit bureau. Per XXXX XXXX, it was lowering due to the credit reporting agency has reported a recent credit delinquency ie my XXXX XXXX card. The agent says there is nothing they can do but to submit a credit limit increase even though the error was their fault. This has severely impacted my credit due to the credit utilization score. XXXX XXXX needs to remove the credit late payment and adjust my credit line back to the original amount to make me whole.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my follow-up 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 accounts 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 : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, it is TRANSUNION 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 120 days past due on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in TRANSUNION also violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/ permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that TRANSUNION has violated my federally protected consumer rights and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete 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
Consumer complaint received 2022-06-27
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. (PA)

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME I DID NOT GIVE EXPERIAN, XXXX, XXXX WRITTEN PERMISSION TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT PURSUANT TO 15 USC 1681 ( B ) IT STATES THAT I HAVE TO GIVE WRITTEN CONSENT
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

equifax has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

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 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To XXXX Equifax XXXX When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Consumer complaint received 2024-09-25
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. (IA)

IDENTITY THEFT REPORT AFFIDAVIT name : XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/XXXX last XXXX XXXX : XXXX I make the following declarations under the penalty of perjury There are fraudulent accounts, inaccurate personal information, and unauthorized hard inquires appearing on my credit report and i want them removed immediately because they do not belong to me! i wrote Transunion, XXXX, XXXX and the companies listen in the affidavit numerous times " DEMANDING '' that they " PROVIDE ME WITH PROOF '' of the original contracts, which contain my " WET SIGNATURE '' PER, the FCRA SEC.609.

I also requested that they remove all of the hard inquires that they put on my credit reports without my written authorization or consent. PER. FCRA BEO.604 I HAVE THE RIGHT TO PRIVACY! and although i made these request more than 30 days a I still have not received any response or relief, according to the law, ( 15 USC 1681 ) it is the credit bureaus an the data furnishers grave responsibility to insure maximum possible accuracy! thee fraudulent accounts, inaccurate personal informatic and unauthorized hard inquires are steal appearing on my credit reports, and it's hurting my ability to obtain credit. 
XXXX XXXX XXXX, XXXX, Opened XXXX, Balance XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, opened XXXX, Balance XXXX XXXXXXXX UNATHORIZED HARD INQUires : XXXX XXXX XXXX, XXXX  opened, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX opened, XXXX XXXX, XXXX, XXXX, Date opened, XX/XX/XXXX XXXX XXXX XXXX XXXX, Date opened, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Date opened, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Date opened, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date opened, XXXX XXXX, XXXX.
Consumer complaint received 2023-04-08
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: LEXISNEXIS (GA)

LexisNexis continues to use unfair and deceptive practices. I've been contacting them since 2022 in reference to them continuing to report inaccurate information. They continue to be reckless and noncompliant even after I have notified them of their grave errors. They have not exercised their grave responsibility with fairness, impartiality and respect for my right to privacy. They have not used reasonable procedures to make sure the information they are reporting is accurate. They never properly verified any information they reported. They have been unfair and biases to me as consumer and continue to have no regards to the Federal Laws. I'm consistently being denied credit, because of the inaccurate information they are providing. They are hindering me from providing from my family. They are continuing to cause me economical and emotional distress. No one deem me credit or insurance worthy. 
Delete the following information for it is incorrect! 
Case # XXXX -Identification records : XXXX -Online Marketing Record : XXXX -Insurance Records : XXXX -Dept of Drivers Services Record : Second Record XXXX -Inquires : ALL XXXX, XXXX
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (IN)

In accordance with the fair credit reporting act XX/XX/XXXX # XXXX XXXX XXXXXXXX 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 602 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-17
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. (NV)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account name : XXXX  XXXX Account number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

At XXXX am on XX/XX/2022, I received an email notification from XXXX XXXX stating that I had a new hard inquiry from Kohls/Capital One ( also dated XX/XX/XXXX ). I did not authorize this inquiry and I do not have an account with Kohls/Capital One. 

I called Kohls to attempt to resolve the issue on XX/XX/XXXX. 2022. The customer service associate I spoke with attempted to look up any account under my full name, my zip code, or my email address. He could not find an account using any of that information. I asked the customer service associate if he could use my social security number to look up an account and he said they are not allowed to do that for security purposes. 

When I reached out directly to XXXX to resolve the issue, the customer service associate stated that hard inquiries can not be disputed and instead I need to get legal authorization to have XXXX delete the inquiry. 

I have placed an initial fraud alert on my account with XXXX, but I am still trying to resolve my issue with the unauthorized hard inquiry.
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NY)

On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector XXXX XXXX reported a XXXX account that was opened on my name in Michigan ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the three credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both XXXX XXXX and XXXX XXXX are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, AFNI INC is doing the same thing and the account is currently under dispute. As soon as I told AFNI that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (SC)

I received a letter dated XX/XX/XXXX from Resugent Capital Services trying to collect debt for LNNV Funding LLC on a debt from XXXX. This debt is more than 10 years old and should be deleted from all credit bureaus immediately.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/2023 my bank withdrew {$4000.00} from my account due to a chargeback scam. I have been a victim of this scam and my bank has done nothing to fix the problem.
Consumer complaint received 2023-04-08
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. (GA)

I've sent 2 letters to Experian and XXXX XXXX asking what's the name of the company that's reporting an inaccurate bankruptcy to my credit report, and i keep getting the same reply, ( The company that reported the information has certified the information is accurate ) .If they can't verify the company, that means they're reporting 100 % inaccurate information, which needs to me removed from my credit report.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with 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 60 days 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