davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transuion violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

How by reporting a late payment on my credit report that is more than 60 days and the law states violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

( account ) XXXX 15 USC 1681n civil liability because Ive been violated You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked over my credit report and saw some inaccurate information for the second time. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I went to see a home for rent at XXXX XXXX XXXX XXXX, XXXX, TX, XXXX, from a XXXX add. The guy name XXXX XXXX XXXX called me and stated that I can go see the home. He texted and stated that the rent was going to be all bills paid for {$900.00}. He told me to send the deposit of {$600.00} to XXXX  XXXX but it went through then he stated to refund it then send it to XXXX. He also tried to send the money to XXXX, he also provided me with another phone number XXXX. He asked for {$60.00} per adult that was going to be on the application, so for my XXXX children, I sent {$120.00}. Someone pulled up and he stated that it was someone else that was trying to see the home for rent and told me to secure the rental I needed to pay the deposit. After leaving, I felt kinda funny so I did some research and found that the residence was being rented by XXXX. I called XXXX and they told me there is no one by those names working for them, so I immediately called my bank to file a fraudulent transaction. Since that day I have filed a police report and my bank has denied my claim 7 times. One of the managers hung up on me. When I first filed I was not told I couldn't until I got XXXX a manager on the phone who told me that because it wasn't a merchant I could not file. Then I spoke to someone on chat that told me that peer-to-peer is like cash and I can't get it back. However, when I stated I sent a policy report they advised to send me the report and not just the number. I filed my report on XX/XX/2023 case number : XXXX. I still have the text messages and the fake lease the perpetrator tried to send me to sign. I believe that the scammer has someone working in the fraud department of the bank who keeps denying my claims. The bank can retrieve my money back from the person I sent my money to and make them responsible but is doing nothing but letting the scammers go!
Consumer complaint received 2023-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

I called Midland back in XXXX  when I seen this on my credit report I told them I needed them to send me paper work showing this was my debt, they never sent me any paperwork. I then mailed them a letter in Late XX/XX/ XXXX  and still have not heard anything. Now this account is showing collections, but yet an open account which is not under FCRA Compliance this in inaccurate reporting!
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (PA)

I have alerted this financial institution I was a victim of ID Fraud and that I was a XXXX at the time of account opening and that it was not me. I provided a police report, FTC report, and my government issued ID. Still the account was found liable and I was held responsible. How can a credit card company hold a XXXX liable for a account that had supporting legal documentation. During the time of the investigation I was told to not make payments, as I wasn't responsible until after the claim was finished. I was still charged late fees, interest, and even had late reporting sent to the credit bureaus. I disputed but nothing was deleted. Also, the incorrect date of birth as well. I want this account and all negative history to be deleted from my report.
Consumer complaint received 2023-08-22
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

On Sunday XX/XX/XXXX at around XXXX I noticed a transaction from XX/XX/XXXX that I did not recognize on my Citi Double Cash card. I attempted to contact Citi via their dispute reporting tool, their chatbot, and multiple attempts to multiple phone numbers to get them to address the issue and possibly lock/replace the card ASAP since its information may have been compromised. However, over the course of more than an hour, I was unable to report the issue to Citi, apparently because their entire system was down for an update so I would just get error messages until it finally tried to connect me with a representative, at which point I would get a pre-recording message saying that their system is updating and try again in 2-4 hours before it hung up. 

I would understand if this was a local credit union, but this is the third biggest bank in the country and I believe my card number may have been stolen, so I expect that they would allow me to report this type of issue 24/7/365 and it is completely acceptable for them to not have any way for me to report the issue as soon as I discover it. A person should never have to spend multiple hours and make this many attempts to tell a credit card company when their card information appears to have been stolen.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/2023 regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX - XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX XXXX XXXX account for the month of XX/XX/2023, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to a response from Equifax within 30 days of the receipt of my letter. This response should include detailed documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

It has now been more than 30 days since I sent my initial request, and I have not yet received any of the requested documentation. It is essential to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

Given that the legally mandated timeframe has passed without a response, I formally request that Equifax Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX XXXX XXXX account for XX/XX/2023. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

I am fully aware of the crucial role accurate credit reporting plays in maintaining fair and reliable credit assessments. Your swift cooperation in resolving this matter is of great importance to me. 

Thank you for your attention to this issue. I anticipate a timely response containing the necessary documentation and details outlining the steps taken to rectify the inaccuracies on my credit report.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of numerous accounts that were open not by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-22
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: Affirm Holdings, Inc (HI)

I had used Affirm to buy a stay at a hotel for the amount of {$420.00}. In XXXX that balance was paid off in full. In XXXX I received a notification that the account was delinquent and my credit score was affected by XXXX points. I disputed the score with evidence of the account being paid off and my dispute was declined by Affirm inc . I had previously also contacted Affirm about the issue and they refused to let me speak with anyone other than the customer service agent who refused to help me. I was told that there was no manager and all they could do was set up an email dispute. They never did. They said they did, it was a lie. They lied so that I wouldnt continue the dispute. Every time I call now they hang up on me. That account was paid in full. It was not delinquent. This has wrecked my credit score
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, 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. (TX)

XX/XX/23 applied for XXXX XXXX  which pulls from equifax and its not pulling my report. I contacted equifax and there is not any fraud alert or credit freeze. My equifax score is XXXX according to XXXX XXXX. Please help me resolve this problem.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$690.00}
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I asked my mother to make a payment to my credit card. My mom used Chase bank in XXXX XXXX ATM to make the payment with cash. Upon completing the transaction, she received a receipt saying that there was a problem with the deposit. Right away she went inside the bank and they informed her that they had the problem with the same ATM day before. ( Note : they failed to put up a sign that the ATM wasnt working. The sign was put up after that transaction and he still up until this day. ) we called the bank right away and provided all the information from that receipt and they told me that they will do an investigation and deposit the money into my credit card. The provisional credit was given however, the transaction was reversed couple days later, which resulted a negative amount on my credit card. The bank and they informed me that they had received a request to cancel that investigation. ( which was not done by me. ) in addition, they said that they would need the details again in order to reopen the investigation however, since the transaction was completed, I got rid of that paper so my mother went to the same branch today and spoke to the branch manager and she informed her that they have no control over ATM transactions. Im wondering when they ATM has collected the funds and they were over {$500.00} and I asked that to the branch manager and she confirmed that they shouldve reported that However, nobodys bothering to do anything. I do not have extra {$500.00} to waste
Consumer complaint received 2023-08-20
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. (GA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX  Account type Note Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$1600.00} Monthly payment - Last payment date XXXX XXXX XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

Hello I had a car loan with wells Fargo for a XXXX XXXX XXXX. The charger me incorrect fees and ended repossessed the car. After the XXXX class action lawsuit they sent a check of {$6.00}. Then in XXXX another check of {$79.00}. And this past XXXX they sent another check of {$38.00}. I never cashed those checks.From the lawsuit every customer is entitled to at least but not limited to {$4000.00}. 
They never give me that money. 
I called on friday XX/XX/XXXX and one lady from the customer service explained to me that it was a wrongful repossession ( you can listen to their recorded call )