davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  Account Number : XXXX Please remove it from my credit report. 

11. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

I ordered a tablet on line through XXXX for around {$94.00}. After waiting over 4 months it arrived but was not what I paid for it was a cheap child 's tablet and it had a locked screen so I couldn't use it if I'd wanted to. I contacted the seller imidiatly but was told to bad no refund. I then opened a dispute with XXXXXXXX XXXXXXXX, after another month or more was denied any recoup. I had said I would return the tablet for a full refund but told no denied. So I then contacted my bank Chime & opened a dispute through them for a charge back but after about 75 days was denied again. Right after chime denied me I received a message from XXXX  that they were going to refund the money however since I'd opened a dispute with my bank then the bank would have to request the refund for me. So I again contacted Chime reopens the dispute with the new information so they could request the refund but they again after a month denied me closed the dispute and said that it was over. So I'm stuck with a child 's toy that's useless because it's screen pass code locked and I'm out almost {$100.00}.
Consumer complaint received 2022-07-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX

Account # 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-21
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. (TX)

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

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 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Balance Owed : {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
Consumer complaint received 2022-07-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 without my written instructions.

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX Case case number is XXXX
Consumer complaint received 2022-02-10
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. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IA)

My bank sent in an overnight payment to payoff my outstanding credit card balance. The payment was delivered on XX/XX/2019 at XXXX which was the due date of the monthly payment. My bank did not include the full account number on the check, but it did have our names on it. Also, there were two other citi accounts being paid off and those payments were in the overnight delivery as well and were processed right away. However, the payoff to Home Depot was not applied. I called the company on XX/XX/2019 and after being disconnected once, routed through 3 departments and told by everyone I talked to that my account was past due and being asked if I was making a payment I was finally assisted by XXXX in customer service. He was able to find check by tracking back from one of the other accounts being paid off and could see that it had not been applied. He also noted our names were on the check. He said it could take another 3 to 5 business days for the payment to be applied and that when it was finally applied that they would go back and remove any late fees and interest. I then received calls on XX/XX/2019 and XX/XX/2019 saying my account was past due. I called in again on XX/XX/2019 and was told it could take 10-15 business days for the payment to be applied. In the meantime my account still shows as past due. I was told it should be revolved before it is reported to the credit bureau but that wasn't guaranteed because the rep that was helping me couldn't see that information.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous letters disputing inaccuracies information on my reports. Most recently I sent a letter on XX/XX/XXXX and I received no response within 30 days. It is now XX/XX/XXXX and I have mailed yet another letter to get the matters resolved.
Consumer complaint received 2022-07-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

To Whom it May Concern, I am trying to close out a savings account with BB & T Bank ( Now Truist Bank ) I submitted my request by mail about 3 weeks ago. I received a letter back from Truist bank advising me to call Customer Service to update my new mailing address.

After calling CS I was advised that I needed to go to a branch to update my address. 
I went to the Truist Bank in XXXX GA, and was told me that I needed to make an appointment after waiting almost 90 minutes. 
I made an appointment at the XXXX GA branch since XXXX had nothing available for almost 4 days. 
I went to my appointment at the XXXX location on XX/XX/XXXX and to my dismay they only had 2 tellers, and 1 person assisting customers with appointments. My appointment was scheduled for XXXX and there were people still waiting for their appointment prior to me. I was on my lunch break an was unable to wait after waiting an hour. 
its absolutely absurd that I am unable to get help with this issue and keep getting shuffled around by everyone that is supposed to be helping me. 


Old Address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX New Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-04
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. (CA)

In accordance with the fair reporting credit act XXXX  XXXX  account number 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 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.
Consumer complaint received 2022-07-04
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. (TX)

I filed a letter for investigation into inaccuracy that was being reported on my credit file. With Trans Union , LLC, I received notice of letter sent certified receipt return, reflecting date stamped received by Trans Union, LLC as XX/XX/2022. The letter was to investigate the accuracy of information being reported. Per the federal mandated; aw for the results are 30 days, for the investigation results. I am to be made aware of whom conducted the results and completed the results, whom was contacted in reference to the investigation completed results, and how was the investigation information obtained. The accounts listed below were requested to be investigated ; XXXX. XXXX XXXX XXXX, Acct # XXXX, XXXX. XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  XXXX Acct XXXX XXXX. as of the date of this complaint. I have nor received by investigation results. Per 15 USC 1681, I am entitled to information being reported to be 100 % accurate. My federally constituted rights have been violated by Trans Union , LLC. 
XXXX Acct # XXXX is being reported inaccurate on my credit file. I request that this account be updated to reflect my true credit standing
Consumer complaint received 2022-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

The coinlist site blocked my account without any explanation. there was a certain amount of money on the account, which is already several times less for the day because of the exchange rate. also because of this blocking, my XXXX coins burned out without the right to recover. every time I wrote to support of this site, the robot answered me that my account is checking. I've been blocked there for 6 months since XXXX. I don't need this account as I have lost all trust in Coinlist.co, but I want at least my remaining money
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX accordance with the fair credit reporting act XXXX account XXXX XXXX and capital one auto 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 15 U.S.C. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
Consumer complaint received 2022-03-27
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)

There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to XXXX. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX, TransUnion and XXXX. XXXX XXXX ( TransUnion and XXXX. XXXX XXXX  ( XXXX and XXXX. XXXX XXXX XXXX ( XXXX ) XXXX ( TRANSUNION AND XXXX ) XXXX XXXX XXXX XXXX ( TransUnion and XXXX. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, Im writing regarding the collection accounts on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ). I do not recognize these debts and have never authorized them. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 807 ( 8 ), its unlawful for debt collectors to falsely represent any debt. Additionally, I am invoking my rights under Section 809 of the FDCPA, which entitles me to request validation of these alleged debts. You must provide documentation proving that these debts are valid.

Moreover, the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting under 15 U.S.C. 1681s-2. This law requires that all consumer reporting agencies maintain accurate information. Given recent data breaches, Im also exercising my rights under 15 U.S.C. 1681c-2, which allows me to block any fraudulent information that might be appearing on my report.

If you can not validate these debts within 30 days, I will insist that these entries be removed from my credit report. Additionally, under 15 U.S.C. 1681n, I am entitled to seek damages of up to {$1000.00} for each violation of the FCRA, should it be determined that you are reporting inaccurate information. This is not just about getting these debts resolved ; its also about ensuring that my rights as a consumer are protected.
Consumer complaint received 2022-07-04
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. (TX)

I have sent letters to Experian, XXXX, and XXXX to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-03-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (FL)

I applied for a joint account on XX/XX/2021 with Wells Fargo for a line of credit. The account was approved but the account is not showing on my credit reports, only the hard inquiry. I have contacted Wells Fargo multiple times but have been told the account has been reported to the bureaus, only to later get a letter in the mail stating that I need to contact the credit bureaus as they are the ones who are refusing to display this account on my credit reports. I contacted XXXX and XXXX ( the 2 bureaus that the account is reporting to for my joint account holder ) and was told by both that they report what is reported to them by the lender, and that they don't just refuse to report accounts. They both stated they have not received any account information from Wells Fargo to report. 
I have contacted Wells Fargo to update them on what the credit bureaus said and was told there is no reason this account shouldn't be reporting to the credit bureaus, and to contact the credit bureaus for resolution. 
This has been ongoing for months. I have a hard inquiry on my credit report indicating that Wells Fargo obviously has the information needed to report the account. I was approved for the line of credit, used the account, had excellent pay history, and have since paid off the loan. This remains an open and available line of credit and I need it displayed as such on my credit reports. I have been unable to get any help with this matter and am escalating this to you.
Consumer complaint received 2022-07-04
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. (PA)

In accordance with the Fair Credit Reporting act. This account XXXX XXXX XXXX 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2022-12-08
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. (GA)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX  ) XXXX
Consumer complaint received 2022-07-04
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. (MI)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management (IA)

Over the course of the past month, XX/XX/2022, XXXX XXXX ( XXXX, specifically ) has called my daughter, my son, numerous friends, and my wife 's place of employment. He has provided information that I owe a debt and that I listed them ( which I have never provided my children 's name for any debt collection ). He threatened my children that this matter is " very serious and needs immediate attention ''.
Consumer complaint received 2022-07-04
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. (PA)

In accordance with the Fair Credit Reporting act. This account XXXX XXXX XXXX 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C