davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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. (GA)

After taking a look at my consumer report, I observed that I have 2 late payments on an account that I was never late for. Consumer reporting agencies have a vital role in responsibility for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account XXXX  XXXX. Please investigate and provide proof with statements proving when this delinquency commerce or any other documents proving that these payments were late. If proof can not be provided ; I demand these payments be updated to ON TIME as they should be as I was never late.

According to the FCRA 15 U.S. code 1681 e consumer law, the maximum accuracy and methods of verification should be provided to me as it is my consumer right.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma (CA)

Hi, I found an advertisement for auto loan refinance on Credit Karma app. The ad showed my car specific made, model and year of manufacturing with 4.80 % from a company named XXXX. I filled the application and on the next day a man named XXXX left me a voicemail saying that I was approved. I called him and he verified all the info from my refinance application. XXXX told me that he needs to contact my current lender to get a payoff quote and then call me back. When i tried to confirm the rate he hung up. Few days later I got a text from him that he could not obtain the payoff quote and I need to get it myself. I did that and text him to confirm the rate of 4.80 % .he called me and offered a rate of over 7 %. He gave me XXXX to a different bank and that ran my credit without my consent. I tired contacting Credit Karma via live chat. I got a bot and I asked to be transferred to real person. I chatted with the real person and didnt get the appropriate answers to my issue. I asked if I am talking to a real person and didnt get the appropriate answer of yes or no.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

U.S. Bank helped me open a Triple Cash Rewards business credit card back in XX/XX/year>. I opened as a Sole Propreiter using my legal name and social. The promotion they gave me was if I spend a certain amount in three months, I would earn {$750.00} in cash back rewards. I finished the spend sometime in XXXX, and was told my rewards was on the way. 

In XXXX, before the rewards actually cleared in my account, I logged in and noticed that I had a Central Bill Account and a Credit Card account when i logged in. Though I had only been approved for one credit card, I now apparently have two billing accounts in their system. On XX/XX/XXXX ( or somewhere around there ) i called them and asked why I had a central billing account, and if I could eliminate that. The person told me it would be easy to combine the billing and remove the central billing account and allow me to just view one account with one balance. Just to simplify things on my end, since I am a sole proprietor and have no use for a central billing account. I agreed, and was never told it would affect me in any way, other than simplifying my billing. 

A few days later I notice that my rewards balance dropped to {$0.00}. I call in and the customer service agent was surprised that my balance was at {$0.00}. I had around {$79.00} in rewards earned from spending, and they were gone. I was supposed to earn {$770.00} on the next statement. So in total, {$850.00}. She apologized and thought it was strange that I would lose rewards for changing from a central billing account to one bill. She said she would submit a request for review, and that I should hear back from them soon and see the rewards balance most likely at the next statement. She was very kind, and someone from their team even added an additional {$75.00} reward for my trouble. This was all good up until now, And I just waited patiently for a a few weeks. 

As of XX/XX/year>, I don't see any rewards, so I call them again, to see if there is an update. A different customer service agent tells me that the team that handled my previous request reviewed my case and determined that because I closed the account I lost all the rewards. This makes no sense, as I never actually closed the account, I simply asked for one way to pay the bill. I still have my credit card, and I can still use it. Nothing ever changed in reality. 

I was never informed that I would lose my rewards if I merged my billing account, and if I did I would NEVER have done that and would have simply put up with the inconveinence of having a central billing for myself.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

A year ago I contacted XXXX bank requesting they remove their record from my XXXX and equifax credit reports. They refused. I never opened this acct and the address they had on file was in XXXXXXXX XXXX I have NEVER lived in that state. 

I also notified all three credit agencies and XXXX removed this fraudulent XXXX  act from my record but XXXX and Equifax have refused to do so. 

This obviously impacts my ability to get credit at a lower interest rate.
Consumer complaint received 2023-11-29
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. (GA)

Transunion has been reporting inaccurate information to my report for years dating back to XXXX. In addition to these inaccuracies, I was affected by the settlement involving the FTC tenant screening and reporting of inaccurate information that was announced last month XX/XX/XXXX. In addition to this, there are accounts till reporting that have not been verified. 

XXXX. XXXX XXXX XXXX/ XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been i victim of identity theft, i have never lived at XXXX copal ct in XXXX XXXX ca. All accounts are associated with this address. I have tried to get these ftaudulent accounts removed from the bureaus, but they just wont do it
Consumer complaint received 2023-11-29
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam 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 Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (CO)

I have never signed any contract or agreement with truest bank. Theyve illegally placed a $ XXXX debt on my credit report that has trashed my credit rating. I dont know who these people are and they dont know me either, as theyve stated repeatedly. They have also provided documentation to this effect. I keep disputing this with XXXX and the dispute is immediately closed without any sort of investigation, proving that this is my debt. Open close, that fast. They do not contact the company to verify anything because there isnt anything to verify. I called over to XXXX as well, and they simply said yeah its yours without checking into anything. I have contacted this truest bank company and gave them my full name, address, phone number, ssn, etc. They then provided me with a document stating we are unable to identify an account for you. Thats because there is NO account in my name. XXXX completely ignores this document when I give it to them. This is a mistake and its XXXX who is absolutely refusing to remove it from my credit report, even after the bank tells them that the account does not exist. I believe they are doing this, because if they remove it, they will be admitting that they made a huge mistake that damaged my credit significantly. Admitting the mistake will make XXXX liable and vulnerable to a lawsuit, so they just leave it on my credit report. The creditor sent me the document to remove themselves from the situation and remove their liability. I didnt realize that the dispute feature on their website was this much of a joke. They dont ever look into anything. I have the clearance letter from the alleged creditor that is supposed to remove these sorts of mistakes. XXXX ignores it every time to protect themselves from a lawsuit. Which is inevitable at this point. I just dont have the money to hire an attorney yet and they are aware of that. Yesterday I searched for and spoke with attorneys about filing a lawsuit on a contingency basis.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MD)

Ally bank withdrew funds in the amount of my mortgage payment twice. My mortgage company did not request XXXX payments. I did not request XXXX payments. My mortgage company received only XXXX payment. Ally refused to return the funds. 

When I called I was told I would receive forms in the mail in XXXX days, that I had XXXX days to return them, and then Ally would take XXXX days to review my complaint.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AL)

I have a dispute with chime a unauthorized transaction on my account, once I was aware of the transaction I immediately called the police as well as chime. I followed all steps, I have assisted chime in there investigation the best of my ability, I have provided all documents that was asked of me by chime. Chime is not doing proper investigation and my dispute continues to be denied after there representatives said I was eligible for a provision. Chime most definitely is not bidding by there dispute policy nor Reg E
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

I checked my credit report and noticed that a new count was added to my profile from IC Systems which took over account supposedily from XXXX. The XXXX account was completely closed last year sometime around XXXX 2023. XXXX pre bills customers a month in advance without services being rendered. This should be totally illegal. 

Account has been closed over XXXX and 3 months and now IC Systems XXXX trying to collect {$140.00} when I am trying to get a HELOC. 

I would like this account removed from my credit report. 

If you look at my credit report, XXXX XXXX XXXX did the same thing to me & a place called XXXX XXXX did the same thing for {$200.00}. At & t pre bills their customers in advance without services being rendered. 

I am totally tired of dealing with company 's that wrongfully bill customers.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (SC)

I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention a matter of significant concern regarding the inconsistent reporting of fraudulent accounts on my credit report. Upon reviewing my credit report, I have observed that the status of these accounts changes every month, indicating a potential glitch or error in the reporting process. This inconsistency is not only confusing but also damaging to my credit record. 
XXXX XXXXXXXX -  XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable XXXX XXXX  XXXX XXXX .... - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable I have taken the necessary steps to dispute these fraudulent accounts as they are inaccurately reflected on my credit report. However, the constant change in status every month raises suspicion that there might be a technical issue or glitch within your reporting system. 
It is crucial to understand that this inconsistency is not only impacting my credit score but also creating an environment of uncertainty and confusion. I strongly believe that the fluctuating status of these accounts is indicative of a system error rather than an accurate representation of my credit history.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX ( XXXX XXXX XXXX ) contacted me regarding an alleged debt. I informed them that I do not owe this debt and that it is not mine. Despite this, I continue to receive communication from them regarding this account. I was told it was a web bank account that belonged to a business. I checked my credit report and found this account on my XXXX and Equifax credit file. I disputed but it was not removed. Apparently they are not verifying this account because it would have been removed from my credit file. 

I have also attempted to provide proof of my identity and request verification of the debt, but my requests have not been acknowledged or addressed adequately. 

This situation has caused me significant distress and has negatively impacted my credit report, as I am concerned about the potential consequences of this erroneous collection.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Schools First Credit Union has issues with their insurance system. I upgraded my home insurance and their system is having issues recognizing that I submitted proof of insurance several times even though they have even notes in their system showing that I have submitted proof of insurance. They keep generating threatening letters and final warning letters claiming they will start charging me for home insurance services even though I already hold a policy with XXXX and have provided them with copies many times over. There is either a glitch in their system or someone is not marking the correct boxes in their system upon reviewing my documents.