davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Date : [ Insert Date ] Subject : Dispute of Closed Auto Account with XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of my closed auto loan account with XXXX, as reported by XXXX, XXXX, and Equifax. I have maintained that I was never late on this account, and it was closed out positively. However, the records indicate late payments that are inaccurate and damaging to my credit report. 

Account Details : Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Balance : {$11000.00} Payment Status : Current As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this issue but have not received any communication or resolution. Therefore, I am requesting validation of the alleged late payments or correction of my payment history to reflect that all payments were made on time. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The bureaus must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using deceptive practices when reporting information about a consumers credit history.

Truth in Lending Act ( TILA ) : Ensures accurate and truthful reporting of credit information to consumers. 
I demand that the incorrect late payments be validated or that my payment history be corrected to show that I have consistently paid on time. This negative information is not only inaccurate but also adversely affects my creditworthiness. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address my dispute. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX XXXX for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX XXXX to my credit builder account and transferred XXXX XXXX  out of the account on XX/XX/XXXX. I have 81 emails with chime trying to resolve this issue since XXXX. Chime responds back with a generic email stating the information has been updated even though it hasn't. In one of the emails chime admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and XXXX, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that Chime has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXXXXXX XXXX I owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXXXXXX XXXX I called chime and they stated it was an error I dont owe anything. Please have chime provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXXXXXX XXXX from XXXX, my account had a XXXX balance. my credit XXXX XXXX XXXX  was never a negative balance, you add money and you spend the money you add. Please scroll down to page 4. I reported chime to the XXXX Chime stated to the XXXX upon closure XXXXXXXX XXXX was debited and posted to my account. Chime. I attached the statement of that, chime is falsifying transactions. I did not have a XXXX XXXX  balance on my account before closure or on closure day, there wasnt a negative balance sure.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OR)

In a letter dated the XXXX of XXXX, 2024, I requested closure of my XXXX XXXX XXXX. As I usually overpay the amount I owe monthly, I had a negative balance ( ie an overpayment of {$290.00} ) on the account. I expected to be paid the residual upon closure. In contrast to every other credit card, financial, insurance, banking or related account and institutional practices, Citi opted not to issue a check to me or direct deposit or any other refund, but instead sat on my {$290.00} for 4 months. When I called on XX/XX/XXXX as to where the check was, I was informed that none had been issued and that an additional 7-10 days would be required before any such check would be cut and mailed to me. 

Furious, I demanded that the effective interest free loan that Citi granted themselves from my money be compensated. XXXX the manager agreed that {$1.00} was sufficient given current interest rates. 

However, he then informed me that the {$1.00} credit would be to the account and would not be available until another 5 days. When banks can move millions electronically in the space of seconds this is clearly a harassment delay. To further that impression, he then informed me that I would have to call again 5 days hence, in order to order the {$290.00} check be cut and mailed. 

Citi knew my account was closed as evidenced by the website and as the staff ( both the initial representative and XXXX the manager ) confirmed. When I asked why the {$290.00} check was not issued in XXXX, he further informed me that the Citi 's policy is that the consumer / credit card user has to call and request the refund. 

Again, I have never encountered such a requirement from any other financial institution upon account closure and can not believe that arbitrarily retaining funds from a customer is anything but theft.
Consumer complaint received 2024-10-09
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)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-09
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. (CA)

I am reaching out to request the removal of a particular negative account from my credit report. Upon a thorough review of my credit report, I have identified an account that is having a significant adverse effect on my creditworthiness and financial stability.
Consumer complaint received 2024-10-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-10
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. (GA)

I do not recognize the aforementioned accounts, collections, addresses or hard inquiries as reported. The aforementioned accounts, collections, addresses and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Consumer complaint received 2024-10-10
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. (LA)

XXXX XXXX XXXX was deleted from my XXXX credit report but is still reporting negative accounts to both TransUnion & XXXX. An account cant be Deleted & still reporting negative at the same time this is a major violation .FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. Additionally, the FCRA mandates that credit reporting agencies maintain accurate information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. Moreover, ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Reporting this repossession multiple times does not extend this statute and is therefore improper. Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (DE)

After looking over my consumer report I've noticed that Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

Violations listed below : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Section ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681e - Compliance procedures
Consumer complaint received 2024-10-10
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. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name XXXX XXXX XXXX XXXXXXXX, # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-26
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. (MS)

I have mailed several times affidavits of statements because I deny the account below is my debt, I acknowledge that I am a victim of identity theft in accordance with 605B of the FCRA and FTC Identity theft reports are enclosed. I have no contractual agreement with XXXX XXXX XXXX XXXX nor have any previous payments been made on this account from any checking account or written checks that Ive made or owned. FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me or to report these accounts on my credit report, this is a breach of my privacy. This is to certify the information contained in this document is a true and correct representation of that which appears and that the individual whose authentic signature appears is claiming their rights of the Fair Credit Reporting Act Sections 605B.
Consumer complaint received 2024-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (GA)

I was robbed at gun point in XXXX. Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. I have never applied for a fortiva credit card. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Well I recently got on the Internet to see if I had remembered my login information for Experian Credit XXXX I was curious so oddly I was able to login into my account which was odd I thought for sure I would of had to reset my password to get into my account.Well I dont know how to read my credit report like an expert but I was shocked to find a report for this year XXXX and Last year XXXX because I had not been monitoring my account for some XXXX for seen complications lifes been so I was shocked to learn I had XXXX Hard Inquiries and several soft inquiries which was more than just a few soft inquiries it really had me look into my history of my account looked up and found credit reports going back to XX/XX/XXXX to Present XXXX well I was in a bad relationship from XXXX - XXXX and Ive been mentally recovering from the chaos well Ive been able to remember durning that time frame XXXX I was able to pay for the apartment during that time and pay the internet bill, and pre paid phone bills and a few Miscellaneous bills with my XXXX I was receiving well I was not able to really pay for those things and see were my money was going to due to the other party being very controlling so all that chaos I was curious on whether He used my personal information without my knowledge. Which was very alarming because Im left with nothing and before I left He got a phone plan for us both through XXXX and without my knowledge he added me to his account as an authorized user well that helped me know none due to him taking the phone away from me and I left it at that. But Im now investigating why Ive been having issues with being a victim of identity theft and fraud and Data was breached. I apologize for the the paragraph long concern. Long story short my credit reports all have incorrect information Im unable to have this checked out and fixed Ive never applied for credit and seeing my credit reports from XXXX XXXX with Hard inquiries and Soft inquiries and other information on the reports incorrect and there are two years that dont have a credit report I get a notification saying something went wrong which seems very odd. Just need to get things straightened out.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am disputing the XXXX XXXX XXXX account on my credit report, which incorrectly lists a charge-off of {$480.00} as of XX/XX/XXXX. This account was originally opened in XX/XX/XXXX with a credit limit of {$300.00}. 

In XX/XX/XXXX, the account was reported as charged off, but I dispute the accuracy of this information. I filed a dispute in XX/XX/XXXX, and despite the reinvestigation, the account remains listed incorrectly. The information is harming my credit score, and no proper verification or documentation has been provided to substantiate the charge-off.
Consumer complaint received 2024-09-30
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
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. (TX)

On XX/XX/year>, I sent a dispute to the major credit reporting agencies and listed the erroneous accounts. I believe I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have contacted creditors to resolve this with them to remove the accounts listed on my credit report because they are fraudulent. I also gave a copy of my ID, SS Card, and Proof of Address.

Section 623 ( a ) ( 1 ) ( A ) of the FCRA prohibits information that the furnishers are providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

[ 15 U.S.C. 1681s-2 ] Section 623 ( a ) ( 1 ) ( B ) ( i ) ( ii ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-10
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. (CA)

In accordance with the Fair Credit Reporting act account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.