davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 

THE BELOW ACCOUNTS ARE REPORTING LATE PAYMENT HISTORY WHICH IS INCORRECT. I NEED THESE ACCOUNTS AMENDED TO NEVER LATE IMMEDIATELY.
Consumer complaint received 2020-05-07
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 

THE BELOW ACCOUNTS ARE REPORTING LATE PAYMENT HISTORY WHICH IS INCORRECT. I NEED THESE ACCOUNTS AMENDED TO NEVER LATE IMMEDIATELY.
Consumer complaint received 2020-05-07
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. (TX)

all ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Robocalls cost XXXX  $ XXXX arbitration award A XXXX woman won a {$450000.00} arbitration award from XXXX last month after receiving more than 300 robocalls from the XXXX-area retailer, which was trying to collect payments on her {$1600.00} sofa set purchase. 
Consumer Financial Protection Bureau Fines XXXX XXXX {$100.00} Million for Widespread Illegal Practice of Secretly Opening Unauthorized Accounts Search Results Web results FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} billion penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ... 
Search Results Web results XXXX XXXX  Robocall Lawsuit - The Class Action XXXX XXXX Blog XX/XX/XXXX - XXXX XXXX  is suspected of violating the Telephone Consumer Protection Act. ... you may be receiving annoying robocalls in violation of federal law. ... cardholders and has loaned over {$2.00} billion since it was founded in XXXX. 


The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX, XXXX XXXX, and 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 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Experian has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

Unauthorized Inquiries 1. XXXXXXXX XXXX XX/XX/XXXX 2. XXXX/ XXXX XXXX XX/XX/XXXX3. XXXX / XXXX XXXX  XXXX XX/XX/XXXX 4.XXXX - XX/XX/XXXX 5. XXXX   XXXX - XX/XX/XXXX 6.XXXX/ XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (SC)

on XX/XX/XXXX I called the Experian Bureau concerning my dispute letter that was sent on XX/XX/XXXX and was signed for on XX/XX/XXXX. I was told by three agents that the letter wasn't there but I had a certified return receipt reflecting that the documents were signed for. I spoke to an agent by the name of XXXX that told me that if I wanted to dispute the items I had to dispute via phone one by one. He also later stated that the documents were received with everything that I told him was included in the package sent. He stated that he could not provide details when I asked was the dispute open. He stated that there was a special department reviewing. I asked was the disputes open he told me he could not share the information but that I could dispute each item with him. I advised him per the FCRA Act when a dispute is received, it must be reviewed and provide documentation that it was reviewed and the actions taken. I haven't received any alerts that my dispute was reviewed. He would not provide any details on the dispute. I asked to speak to the correct person and even his supervisor he refused to do so. I provided my credit report, my proof of residency, ID, and dispute letters for the dispute. I haven't received any indication that it was reviewed. They have 30 days from the date of receipt and they haven't even opened the dispute or provide any updates. They've even lied about the letter being received. This furthermore proves that they either lose letters or completely disregard. THis is affecting my credit and my ability to do things.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (NV)

On or around XX/XX/XXXX, our company closed an office in XXXX XXXX, CA and terminated relevant services. Internet and various utilities. On XX/XX/XXXX I received an email from McCarthy, Burgess & Wolff ( hereafter MB & W ) saying that a XXXX bill was unpaid. After reviewing the very " grainy '' documents they provided, it appears that XXXX XXXX XXXX continued to bill after service was discontinued, applied my {$250.00} deposit, and then continued to bill long after service was terminated. 

I immediately ( same day. XX/XX/XXXX ) replied to their email asking for more documentation. I received no response. 
On XX/XX/XXXX, I left a voicemail with the agent assigned to me in the letter. I received no response. 
On ( I believe ) XX/XX/XXXX, I left an additional voicemail. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received no response. 
On XX/XX/XXXX, I sent an additional email. I received not response. 
On XX/XX/XXXX, I sent a letter via USPS with tracking and signature confirmation. I received no response. 

From my written, delivered, and signed-for letter sent to MB & W " To recap. The documentation you sent was very grainy and difficult to read. It would appear that this account was still being billed after being closed. I am requesting the invalid billing be voided, and my {$250.00} deposit with applicable interest be refunded. " To date, excluding the original email I received from MB & W, I have not received any response to any of my inquires. No emails, no postal mail, no callback. 

From MB & W Account XXXX, File XXXX, Invoice XXXX Contact Information : Agent listed XXXX XXXX Website : http : //www.mbandw.com/ Mailing Address : McCarthy, Burgess & Wolff XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , Ohio XXXX USPS Tracking with Signature Confirmation : XXXX " Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX, OH XXXX. The item was signed for XXXX XXXX. ''
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to an inaccurate account reporting on my credit. I never received any notifications in regards to the investigation results & it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-01-27
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: CORELOGIC INC (MO)

I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX  )
Consumer complaint received 2022-09-17
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (TX)

First National Bank of Omaha closed my Visa card with no prior notice. This company solicited me to open an account and then later closed it with no warning. These unfair practices damage consumer 's credit. 
On XX/XX/2019 I called FNB to ask that the account be reopened in order to pay down the balance. They could then lower the credit limit, if they so chose. A much better alternative to closing the account completely. 
I was told by a rep and then a supervisor the closed status was final and had already been reported to a credit agency ( XXXX  ) My payment history was good ( rare if any late payments ) Balance was high because I use it for my XXXX  account. 
FICO score is fair. 
I understand the risk factor but where is the personal relationship with the customer? A simple phone call or notice by mail would have resolved this. And if I was unable to lower my balance to alleviate their risk, then at that time they could make the decision to close the account. But this method is so drastic! Closing credit cards without offering the option to pay it off first is not even a good business choice. 
Why does a bank of this stature want to hurt their customers arbitrarily? A faceless entity - big banking - already despised in our country for milking the public with card debt and high interest rates, now adding to their bad image with automatic closures and adverse credit reports.
Consumer complaint received 2022-07-17
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2020-05-21
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Credit Acceptance sent me a tax form stating the auto loan was forgiven and it was mandatory to file the form with my taxes. Now I am seeing the debt of the loan being re-aged and reappearing on my credit. Since the loan was cleared as a gift for the forgiveness of repayment it must be deleted from all credit bureaus reporting on my credit immediately and stop reporting it as re-aged. The loan was taken in 2014 and has been over 7 years of it reporting. Why is the loan still on my credit being re-aged? Other auto companies are running my credit and finding the repossession still reporting.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (IL)

You dis not even read my complaint XXXX Someone else 's signature, not my address that is on opposite side of the world. Not my credit card being used to pay for the apartment. My signature not even on it. Your allowing someone else 's signature to be used on a debt against me.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/2020 I filed a dispute in writing that was submitted to Chime Bank regarding a merchant not providing a service that was paid for for a total of {$5400.00}. After 91 days, at XXXX on XX/XX/2020 I received an email stating that a determination was made that no error had occurred. This alone has exceeded the 90 day time frame allowed for the bank to investigate the error. Further more, a dispute against this merchant was filed at the exact same time, for the same reason, with the same evidence at my other financial instituion. This claim at the other financial institution was found in my favor in only 45 days. Chime bank made no attempt to ever reach out to me, ask me any questions, and waited until the last second to send me an automated email at 21 minutes before 92 days had passed. This egregious behavior must not be allowed to continue as further investigation has showed this to be a repeated problem Chime Bank customers face when having to dispute a charge. I find it especially troublesome that my other financial institution was able to resolve this matter in my favor, in a reasonable amount of time, while Chime bank has done absolutely nothing. After contacting the merchant, they have no knowledge of there ever being a dispute from Chime bank, meaning the bank outright lied about the investigation even taking place. Furthermore, a manager at chime phone support dispute team told me they didn't even have to do this, and it was merely a favor they were looking into the charges disputed. I reached out to chime over 30 times and never once did they ask any questions or even allude to what was occurring, simply that XX/XX/XXXX there would be an answer. It is important to note that I was originally told by Chime the dispute would be resolved by XX/XX/2020 ( I have attached a copy of this email as well ) If my complaint is not addressed by this company and resolution reached, I will move forward with my own legal counsel in resolving this matter, including a class action lawsuit against Chime, XXXX XXXX / XXXX.