davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : # 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. 

15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account name : XXXX XXXX XXXX : # XXXX
Consumer complaint received 2022-06-03
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. (LA)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint on the following date XX/XX/XXXX. For Dates XX/XX/XXXX and XX/XX/XXXX. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

Greetings. 

I've been sending disputes since XX/XX/XXXX, and on XX/XX/XXXX, I sent in my most recent dispute to Early Warnings Services regarding XXXX  XXXX XXXX 's claim that check fraud has been committed. Within the dispute I have included all the required and supporting documentation : Identity Theft Affidavit - FTC Complaint Number - Copy of Photo ID - Police Report - Explanation Letter. 

I received a response through email from Early Warning Services on XX/XX/XXXX and they have not removed the requested information of check/checking account fraud by XXXX XXXX XXXXXXXX XXXX Which again was a result of identity theft. I have provided the necessary documentation to prove so and they are violating my rights by not removing said information from my Early Warnings Report. 

I will upload the docs on this claim. 


Early Warnings Services & XXXX  XXXX XXXX must provide proof that this was not Identity Theft If not they must remove information, please CFPB look over this claim. 


FTC Claim # XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

To whom it may concern : I received a copy of my credit report with the intention of trying to take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I read in the FCRA that it said by law, I had the right to challenge anything I am not sure is accurate.

According to 15 USC sec 1781i ( a ) : if you can't provide proof, the account must be deleted. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? I saw on a credit site and board, the lawyer said you have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing or not correct on it. 

XXXX XXXX XXXX. # XXXX This account has been verified, however, the original creditor said that they don't have this information, so how are you truly verifying this account? I will have to pursue legal counsel if this is the case. 

Also, please let me know who had access to my file as well.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (CA)

I have been with chime since XX/XX/2019. I had up to XXXX being deposit each month from payroll. Im also self employed. I was trying to make an order with XXXX when it declined my card. I tried logging into my account and it said it was closed due to a deposit agreement. I didnt agree to anything. Im at a lost right now because I have bills to pay, kids to feed, and more. Why would they close my account without notifying me early. Or even try fixing the problem i had XXXX all my funds in there now its gone.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (NY)

Shellpoint Mortgage company doesn't report my on time payments in my credit bureaus. I paid for XXXX and the payment doesn't show up on my credit report. They're delaying reporting my mortgage payments and that is hurting my credit score every month
Consumer complaint received 2020-09-09
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. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I had 10 fraudulent transactions hit my account with Jp Morgan chase bank starting on XX/XX/2019 for just under XXXX. Chase Claim # XXXX 2 came thru on the same day for XXXX and for XXXX. The bank put all the monies back in our account. The bank then sent us some forms that needed to be signed and sent back to them by fax or mail. We decided to send them back by fax. I sent from my place of business and my wife also sent from her work place, we assumed everything was handled. Then I got a call from JP Morgan chase telling me that they were missing one of the forms and needed me to sign form this was a month or so after the fact. So i asked the person to resend the paper work It took about 8 days to receive the document in question I signed it and took it to the bank Chase bank local branch and had them fax it to there fraud dept. XXXX was the bank rep i spoke with also spoke XXXX XXXX 2 times. 
There again figured it was handled. Then I got a letter telling me that the XXXX charge was handled. Next day i got a notice telling me that the XXXX would be debted on XX/XX/2019 because XXXX XXXX XXXX XXXX XXXX would not refund the monies because we ran out of time. XXXX and XXXX XXXX Escalated the problem and told me to keep calling the 800 # to see if they were going to return the monies I feel like i was getting the run around So at this point i am out the XXXX Chase bank branch could not help me any more so I told XXXX @ XXXX XXXX XXXX XXXX, Ca I was going to file complaints with CFPB, Federal reserve consumer help, and Controller of the currency. 
I was told that someone would be contacting me in 48 to 72 hours that didn't happen so I have chosen to file a complaint.
Consumer complaint received 2022-07-18
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. (IL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID 's THEFT REPORT # XXXX, XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2023-03-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (MA)

Sometime between XXXX and XXXX XXXX Real Time was hired by XXXX as XXXX 's agent to collect an alleged, contested mortgage debt. In discussions with Real Time as in addition to supplying Real Time supporting documentation, Real Time ceased collection attempts. ( I did a get a form letter each year about debtor rights in truth I get these from credit card and banks I haven't any relationship, so these did ) In XXXX Real Time advised these matters were transferred to XXXX XXXX XXXX 

Issue one - Apparently Real Time did not vet, verify or question the collection and files XXXX transferred Issue two -Apparently the documents supplied to Real Time ( in house lawyer, ) all I remember is the lawyer was female, friendly and understanding, she understood the issues presented, appeared to have NOT passed on to XXXX or XXXX XXXX XXXX Issue three- IF Real Time did pass along to their client XXXX and / Or XXXX, current events suggest neither XXXX or XXXX XXXX XXXX were received these documents or records of conversations Real Time had a responsibility to have kept and passed along to their client and successor. 

If Real Time failed at their responsibilities to Me, XXXX and XXXX each and all then Real Time has brought upon me financial, emotional and legal harms, Past, Present and now Future as such Real Time need be held accountable. 

REAL TIME, XXXX AND XXXX ARE IN POSSESION OF DOCUMENTS
Consumer complaint received 2022-06-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (TX)

On XX/XX/2022 I checked my mail and received to seperate envelopes from a company named CHIME. In the first envelope was a debit card, second envelope was a credit card. I did not open this account. I contaced the number in the back of the card and they wanted me to give them an email and the last four digits of my social security. I told them I would not do that and to make a notation that I did not open neither accounts.
Consumer complaint received 2020-07-08
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. (CA)

I had a loan with a company by the name of XXXX XXXX, in XXXX, California. 
Their shady and legal business practices include but are not limited to, calling references and revealing what the nature of their call is, calling work place multiple times, etc. 

I included this loan in my Federal Bankruptcy, that was charged off fall of last year. 
This file and loan was to be reported to {$0.00}, which it eventually was. 
They edited my file this week to show the account is open and listed payments deferred due to natural disaster-COVID19. I called and informed them legally this cant happen, the loan was discharged about inquired why theyre fixing their books to show more loans than they have to qualify for covid assistance from the government and I was told to prove it.
Consumer complaint received 2023-02-06
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. (ME)

Please do not delete this as a duplicate. I am working and live in XXXX. I have lived in XXXX and XXXX as a XXXX since 2008. I had many accounts opened without my knowledge or consent. I have asked XXXX XXXX and XXXX to remove the fraud account they have listed. They have never provided me proof that the account was mine. They can't, as I did not open it. PLEASE instruct them to remove this account which had NEVER belonged to me.
Consumer complaint received 2022-07-18
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. (CA)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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 sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX : {$75.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-06-09
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-03-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Opened account with Bank of America in early 2022. Did so online. On XX/XX/22 I transferred XXXX dollars into the account. On XX/XX/XXXX I transferred {$240.00} into the account. And finally on XX/XX/XXXX I transferred {$220.00} into the account for a total of {$660.00}. With the addition of my initial deposit of {$1200.00} the account had an amount of {$1600.00}. 3 days after the final deposit of {$660.00} my account was closed. I did not receive any paperwork until after the account was closed. No one called No One reached out to me in any way to inform me about any issues with my account. I have scheduled several appointments and had several sit-downs with different members of this Bank of America . During my initial visit I was told my account was closed due to a potential fraud case as they had found a Utah address under my name. I informed them that I had just moved in from Utah and when I had set up my account I had used a Utah driver 's license. I was told me to call XXXX and that they would be able to assist me. When I call that number they told me that the Bank of America held my account would need to be the ones to pay out the funds and that I would need to be in contact with them. When I reached back out to Bank of America I was given a different number to call that number being XXXX. This number also referred me back to my Bank of America. It is now coming up on one year on waiting to be refunded so far I have been refunded my initial deposit of {$1000.00} but, have yet to receive the other XXXX dollars.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

I am experiencing an issue with my credit report on Equifax. I had a credit card account with XXXX that was closed in 2023. This account is accurately reported on both XXXX and XXXX, but it is missing from my Equifax credit report.I have contacted XXXX  multiple times, and they confirmed that they report to Equifax, XXXX, and XXXX. I have also successfully updated this information with XXXX. However, despite my efforts to contact Equifax by phone, they keep redirecting me back to XXXXEquifax 's handling of my issue has been inadequate. They failed to investigate the missing information properly and instead directed me back to XXXX, which has already confirmed their reporting process. This inconsistency is negatively affecting my credit profile.I am seeking CFPB 's assistance to ensure that Equifax investigates this matter properly and updates my credit report to include the missing information from XXXX. I want to ensure that all three major credit bureaus reflect consistent information.Not only that, but Equifax is the slowest of the three major credit bureaus in updating its letter reports
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (WV)

I contact you to help me get my money back from ally bank. they responded with a letter as you will see in case file. XXXX they said that irs said check are not valid they are. look at what XXXX  said. XXXX  is the VA XXXX XXXX XXXX. that as i live in XXXX. I am XXXXXXXX from the XXXXXXXXXXXX i get paid for XXXX XXXX 

I have the Email from XXXX of XXXX  to show ally bank has kept my funds. they cashed. checks cleared. 

No holds on checks. we had 2 hours phone. she seen they haver my money. 

so many phone calls. yelled at told to stop callimng ' " key line they said. IRS said checks no vaild. they calledd IRS? I am XXXX I want them to move my money to my XXXX XXXX account. ASAP before I go US embassy call FDIC fraud police.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Identity Theft! There are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.