davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting corrections to the addresses associated with the following accounts : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The address listed for this account on my credit report is incorrect. I request that you correct this information to reflect the accurate address of the creditor. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The address provided for this account is also incorrect. Please update the credit report with the correct address for this creditor. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Account Manager : XXXX XXXX XXXX The address listed for this account is incorrect. Please ensure that the credit report reflects the accurate address of both the original creditor and the current account manager. 
The inaccurate information on my credit report is significantly impacting my ability to obtain credit and pursue important financial goals, such as purchasing a home. Under the FCRA, you are required to investigate and correct any inaccuracies on my credit report. I have attached relevant documents that support my request and indicate the correct addresses where applicable. 

Please correct these inaccuracies as soon as possible and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Please contact me if you need any additional information or documentation.
Consumer complaint received 2023-07-06
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. (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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
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. (GA)

I'm filing this complaint because there are several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ) are appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of data breach, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result the data breach and identity theft resulting fraud.
Consumer complaint received 2024-10-04
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 XXXX 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 2024-10-04
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)

XXXX XXXX  and XXXX XXXX  is reporting a fraudulent account that I did not open under my name on Transunion Consumer Solutions report. The account number number is XXXX that has been reporting under XXXX XXXX XXXX, and Transunion Consumer Solutions. Attached is the FTC Statement that identifies this account as a fraudulent account opened using my personal information.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (TN)

XXXX  subscription ended at end of XXXX, i have proved proof sent to Sofi bank. They have lied and misled me for 2 weeks. I have to pick up my daughter in another state, i am in a XXXX XXXX  and need my funds to get her. Sofi has lied and misled me and is going to cause my to, lose her. i need my credit now, they need to credit me and chargeback the merchant now.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Someone use my name, my social security, stole my identity. They use my Identity and file taxes in my name. I contacted the IRS and let them know. I am a victim of Fraud. I also contacted identity theft.gov and file the report there as well. The only thing that should be on my credit is XXXX XXXX Credit card which I paid off. The other one is XXXX  XXXX XXXX. Everything else on my credit Report is false.
Consumer complaint received 2024-10-04
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$32000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-04
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX  - XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$14000.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$9000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$7000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-17
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)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-09-16
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)

I have not supplied proof under the doctrine of estoppel by the silence of estoppel. v gravens ( mo ) 281 SW715.719 presumed that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00}, XXXX  XXXX {$1600.00}, XXXX XXXX balance {$2500.00}XXXX XXXX XXXX XXXXXXXX XXXX {$4400.00}, XXXX XXXX XXXX  XXXX {$4100.00}, XXXX XXXX XXXX  balance {$270.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXXXXXX {$0.00}.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I initially contacted my bank regarding to my rent ach payment returned due to the funds didnt process until 3 days afterwards which by then there was an an autopay for XXXX XXXX that caused the account to be insufficient. My bank said they will assist me the matter but they simply canceled my newly submitted rent ach payment which caused me to get charge again NSF fee by my apartment. I contacted the bank again specifically telling them I only want to dispute and get reimbursed for the fees involved. Told them numerous time I do not want them to cancel or reverse the ACH because my apartment will just add NSF Fee and late fee to my next month rent. They told me ok they understand and will put notes to only dispute on the fees. But they ended up reversing and canceling the ACH rent payment again. Now my apartment has locked my rent account and only allowing me to pay with cashiers check going forwards. Capital one has one agent told me they were able to find notes and admit they made a mistake and told me they will investigate but when I call back they all deny and told me they dont know anything.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (MN)

On XX/XX/year> I received in my mail and visa/debt card from NETSPEND. This card had routing number and account information from XXXX XXXX XXXX. I never apply for this card or requested it. I tried to call the company to find out why I received this card or how it was opened without my knowledge but was never able to speak to anyone. I got caught up in the automatic phone system. I was able to cancel and close the card but still do not know why or how this was opened. Especially has a person that has my credit locked down I do not understand how this can happen. 

In using XXXX I am not the only person this has happened with. But I never found out why this happened or how it happened.
Consumer complaint received 2024-09-16
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. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

My son asked me to sign up for Chime checking account on Chime.com so he can send me {$400.00}, his rent payment to me. I created an account on Chime.com and he sent me {$400.00} from his Chime account to mine. I needed to transfer this {$400.00} from Chime to my XXXX checking account so I can pay the mortgage and other bills on XXXX I logged into my Chime account and linked my XXXX  account using my XXXX creds. Once my XXXX account was linked to my Chime account I tried to transfer the {$400.00} from Chime to XXXX. I received a message that I had to activate my physical debit card before I could complete the transaction. I contact a Chime support rep through the Chime app. I was told that I could not transfer any funds from my Chime account to any linked external accounts until I received my Chime debit card and activated it. I was told I would receive it in 7 to 10 days. I was told this is because it's a security risk and this is their policy. Their whole business model is a security risk. I was told that I could use my Chime virtual card to shop online and online bills. I have XXXX to send my mortgage payment on the first of every month. The virtual card is useless to me. How are they allowed to hold my money hostage until I receive a physical card? I don't remember Chime stating anywhere in writing that you can't transfer any funds to external accounts until you receive your card and activate it.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Fay Servicing, LLC (OH)

Respected Sir / Madam I contacted Fay service to opt out my Escrow payments of Property Taxes + Home Insurance + PMI on XXXX, XXXX. 
They approved my request but after some time they denied due to my Loan to value ratio was 80.4 % I paid additional principles of {$6500.00} sometime first week of XXXX to bring my loan to value ratio 78.9 %. 
I requested again sometime around XXXX XXXX  via phone & e-mail but as on date Fay services Supervisor, XXXX ( Short Initial ) not approved my request. 
More ever Fay Services charged {$140.00} PMI for the month of XXXX XXXXXXXX  ( My mortgage payment is monthly ) as well as they will posted to deduct {$140.00} PMI for the month of XXXX. 
Can you please help to opt out Escrow payments of Property Taxes + Home Insurance + PMI from my mortgage payment immediately & ask Fay services to refund {$140.00} PMI for the month of XX/XX/year>. 

I have attached series of e-mail for your kind review. 

Thank you so much in advance for your help on this. 

Best regards, XXXX XXXX
Consumer complaint received 2024-10-04
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. (TX)

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by XXXX XXXX and this has caused me not to obtain relief and resources. 
i have been attempting resolve this since XX/XX/year> and XXXX have ignored me.
Consumer complaint received 2023-08-10
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. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX, XXXX ; XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor :  XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$8700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.