davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the XXXX, Experian, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.
Consumer complaint received 2022-09-13
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. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX  XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the XXXX, XXXX, and Equifax sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of inquries above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-07-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I booked XXXX plane tickets and XXXX sets of XXXX XXXX XXXX XXXX with XXXX XXXX. XXXX stated before my purchase was complete that if I got the XXXX Credit Card I could get buy-one-get-one-free-plane-tickets for my flight for also purchasing a 7 day car rental. I was approved for the credit card, I completed the transaction as stated benefits buy-one-get-one with the new XXXX credit card with my XXXX XXXX and XXXX sets of XXXX XXXX XXXX XXXX. BUT my 2 air plane tickets did not come off the purchase price. Now I just also got a credit card coming that cost me {$59.00} a year and I didnt even get the benefits as promised with my new XXXX Credit Card XXXX Purchase confirmation number is XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the Transunion, XXXX, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.
Consumer complaint received 2022-06-09
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXXm attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/2022 I had lost my phone and when I got my device replace I checked my Chime account and there was 3 unauthorized transactions totaling {$1000.00} using a feature Pay Friends to a unknown person that I do not know. I reported and filed a claim with Chime as soon as I saw the transactions I found out and a few days later Chime responded back that only 1 transaction of {$400.00} was in error but the other 2 unauthorized payment that were sent to the same unknown person was denied. I continued to explain that their investigation conclusion didnt make any sense since all 3 payments were made to the same person but only 1 was found in error. I told Chime that I would make a complaint to the CFPB and a few hours later I got an email stating that Chime has identified activity on my account that is not in compliance with its internal policies and my account will be closed.
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

Had damage to house, insurance issued check including mortgage company. Went through their claim process but can't get the money released now to pay for a new roof before winter comes to Minnesota. We have a band aid on the roof but will not survive winter. They have sent the check in XXXX & XXXX ( ex wife ) name even though XXXX is only one on account. Said it was fixed & money transferred electronically by XX/XX/2022. No transfer, called & said would take 24 to 48 hours for management to sign off then 10 business days for a check to be cut & then mailed 5-7 days unless I pay for an overnight label from XXXX. If a roof isn't put on, additional damage will occur, possibly making the house uninhabitable. I need them to release the {$10000.00} that they have of our insurance money so I can get this completed. The mortgage servicer is Shellpoint Mortgage, LLC. This is a XXXX XXXXe loan. I am looking for any help possible. Please feel free to speak with XXXX as I work during the day and unreachable.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to formally challenge the accuracy of the information reported on my credit report, specifically regarding account : Prosper/Coastal Comm XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, Acct : XXXX. As I was reviewing my credit report I noticed on XX/XX/year> a 30-day late of which I am never late on the payment ( s ). So I called XXXX XXXX to remove it and they have not removed it yet. I called back and spoke with a supervisor by the name of XXXX in customer service and she directed me to XXXX as she has exhausted all her efforts to help me. 
I believe the information violates my rights under the Fair Credit Reporting Act, specifically 15 USC 1681e and 15 USC 1681i ( a ) ( 1 ). According to these regulations, all information provided by credit reporting agencies must be 100 % accurate across all the reporting agencies.

I request the 30-day be removed and reflect paid on time.

Please investigate this matter and provide me with the results of your investigation reflecting payments and statements of your investigation within 30 days which is required by law.
Consumer complaint received 2022-08-22
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: Synergetic Communication Inc (PA)

By law, " the Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. '' This is very old debit, 20 years. This company, Synergetic Communication , Inc., forces to make the debtor makes a payment after defaulting on the debit. As per the company states, " ... for you to be sued on it in court ... '' They can sue for the payment.
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: Experian Information Solutions Inc. (TN)

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. 

XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # 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.
Consumer complaint received 2022-12-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.
Consumer complaint received 2024-11-22
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. (IL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries associated with my credit file. I am a victim of identity theft stemming from a data breach, and the following entries have been added to my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these entries be permanently removed from my credit profile. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$88.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXX, XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.
Consumer complaint received 2023-03-15
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. (NV)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I closed on a mortgage refinance ( XXXX XXXX  ) on XX/XX/XXXX. As part of the closing, the closing company ( XXXX  ) sent a payment of {$1100.00} to the XXXX  of XXXX for XXXX XXXX property taxes out of the closing costs that I paid upfront to XXXX, leaving a " cusion '' of {$1000.00} in my escrow account. 

Within a month of closing, my loan was sold to Chase bank. That same month, Chase bank erroneously used the remaining funds in my escrow account to send a duplicate payment to the XXXX of XXXX for XXXX XXXX taxes, causing my escrow acccount to go negative. 

Now Chase has completed an escrow analysis and indicated a shortage, which is largely the result of not carrying over the escrow balance into XXXX as they should have done. Chase has now increased my monthly payment by over $ XXXXmonth to account for the shortage. 

They are claiming that it is my responsibility to request that the XXXX of XXXX refund the double payment to me, which I must then pay to Chase toward the escrow account. As the XXXX of XXXX has already applied this double payment to my XXXX XXXX taxes, this does not seem like a likely scenario. 

Chase made the error, and now I'm supposed to either pay for it or jump through hoops for the slight possibility of getting it corrected. In the meantime, I was warned that if I do not make the payment for XXXX, which I have disputed, I face late fees and negative credit reporting. 

At a time where consumers like myself are facing unprecedented financial hardships, we should not have to bear the burden when a global megabank makes an error. The threat of additional penalties just adds insult to injury. Chase must take whatever steps necessary steps to correct my payment ASAP.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was shocked to see unauthorized inquiries on my credit report this afternoon. I checked my report, as I usually do, and noticed discrepancies that were not there before. Even after refreshing my browser, the issues remained, and Im beyond frustrated. I demand immediate attention to the documents Ive submitted to ensure I dont have to deal with this problem again.
Consumer complaint received 2022-07-12
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. (AZ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}