davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by XXXX to receive payments on its behalf. The XXXX website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or western union location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by moneygram. It is not my fault if your website wasnt working. Nevertheless, I went to a moneygram location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!! 
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.
Consumer complaint received 2023-04-06
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. (MD)

XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, MD XXXX Collection Agency Name & Address Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX XXXX, This letter is a formal statement notifying the above parties that the accounts are disputed. The vehicle in question was purchased on or about [ XXXX ], financed by [ XXXX XXXX ], repossessed in the state of [ Maryland ], and sold by [ XXXX Dealership in XXXX XXXX XXXX XXXX ] on or about [ XXXX ]. Under the laws of [ Maryland ] and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above XXXX XXXX XXXX Send to XXXX XXXX, Original Creditor, and Car Dealership. I reserve the right to seek damages against all parties, under all available XXXX and XXXX statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the XXXX mail system. 
XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Consumer complaint received 2024-09-09
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. (CT)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the
credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2023-05-23
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. (MD)

XXXX XXXX XXXX has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by XXXX to receive payments on its behalf. The XXXX website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or western union location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by moneygram. It is not my fault if your website wasnt working. Nevertheless, I went to a moneygram location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!! 
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.
Consumer complaint received 2023-03-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have attempted to resolve the matter at hand with Experian multiple times. Experian has knowingly furnished inaccurate information on my consumer report. Experian failed to investigate my dispute and for that reason inaccuracies are still on my report. There are a multitude of transactions on my consumer report that I have no relation or knowledge of. Experian has not maintained their duty as an entity created to assemble consumer reports. Experian has not been responsible nor have the company operated with integrity, impartiality or fairness.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax has caused me harm by defaming my character, and other financial damages. Adverse action was committed against me in the form of my application for a {$300000.00} mortgage with XXXX XXXX  that I was denied for even though I can not be denied an extension of my own credit. The application I filed out was deposited with the Treasury and I received no consideration. However, Equifax received consideration when they sold my credit information to XXXX. This constitutes unauthorized use of my social security card which is by definition a credit card. I have attached a copy of my recent consumer report with Equifax and demand this matter to be rectified immediately.
Consumer complaint received 2023-03-18
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint once again to remove the fraudulent items off of my Credit File. My credit report appears to have been corrupted. I was looking over my records once more when I discovered a lot of information, accounts, or other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Please get rid of the following things as soon as you can : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$460.00} XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I will need all paperwork bearing my signature if you think there's a chance these accounts might be mine. Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Thus, abide with the law so that this situation can be resolved quickly.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rigts to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602A, states I have a right to privacy. 15 USC 1681 Section 602A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section 2, 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 conviction of crimes which outdates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

A Cashier 's check was presented to us at XXXX XXXX XXXX for a tenant move in. The cashier 's check was dated XXXX for {$1400.00} from Wells Fargo Bank. The tenant later changed their mind and wanted a refund. We refunded her money because she had paid with a cashier 's check. On XXXX Wells Fargo stopped payment on their cashier 's check. 
We contacted Wells Fargo XXXX case number XXXX and they stated this was a matter between us and their customer. 
I understood a cashier 's check is final. Thats why it's used for closings, move ins etc. I did not believe a stop payment could be done on a cashier 's check. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX Balance : {$8200.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-24
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. (PA)

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to XXXX, Transunion, and XXXX. I will attach the letter I wrote to them.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am sick of unethical incompetent, Transunion I asked the Transunion represent the paperwork that shows a XXXX XXXX utilizing my name within a backwards format If no documentation is presented with XXXX XXXX, utilizing my name within a backwards format. I want this fully removed from my Credit Report that allow people to commit fraud with utilizing my name backwards. 
My XXXX XXXX report shows XXXX, XXXXXXXX XXXX  I want this fully removed only one name should be on my credit report within this format is XXXX XXXX XXXXXXXX nothing in between my name this inaccurate names and backwards name is fraud committed by employees or managers to create false accounts and credit cards stop utilizing my name backwards this is fraud and misleading I want it fully removed I want XXXX XXXX XXXX XXXX on my credit report only to prevent fraud and fraudulent activity on my account I have asked this company to remove this name over 15 months ago
Consumer complaint received 2023-12-03
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. (AZ)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion report. Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} I dont recognize this lender and account. Please remove this inaccurate information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (DE)

XXXX XXXX {$150.00} XXXX XXXX {$500.00} XXXX XXXX {$70.00} XXXX XXXX {$750.00} XXXX XXXX {$1000.00} XXXX XXXX {$750.00} XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX {$2000.00} On XX/XX/XXXX I called Chime Member Services and informed them I had been a victim of fraud. I explained I saw the transactions credited from my account and upon noticing them ( payment from phone number to phone number ) I changed my banking password and disabled international transactions on my banking app. 

These amounts were made with fraudulent intent via phone-to-phone transfers that were deducted directly from my checking and were instantly approved as they were all checking transactions. This does not mean I authorized or approved such transactions. Not to mention my checking account was the only account compromised. Not my savings. 

I filed a claims report with Chime The report states : " While the dispute is not eligible for provisional credit issued by Chime , Chime will investigate dispute types that fall under Regulation E ''. 

" The dispute process can take until XX/XX/XXXX. '' " Check the status of the dispute anytime on Chime. '' On XX/XX/XXXX Chime Member Services informed me that my claim had been denied as " no error had occurred. '' Chime did not provide documentation or proof of an investigation that concluded the final outcome of this investigation under Regulation E guidelines. 

Regulation E outlines electronic funds transfers ( EFT ) under section 1005.6. 
as electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 

Note : This scam has compromised my funds not only with Chime but other electronic vendors like XXXX XXXX and XXXX by the same person who uses various aliases and phone numbers to seek unauthorized electronic payments.