davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

Date : XX/XX/XXXX To : XXXX XXXX TransUnion Subject : Request for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to address serious inaccuracies in my credit report related to the XXXX XXXX  account. Your failure to maintain accurate records is a violation of the Fair Credit Reporting Act ( FCRA ), and I demand the immediate removal of this account from my credit reports. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX ( last four digits ) Discrepancies : Date Opened : TransUnion : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Number of Months ( Terms ) : TransUnion & XXXX : 48 months XXXX : 0 months Inaccuracy : Violates FCRA 602 ( a ). 

Last Reported Date : TransUnion & XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 609 ( e ). 

Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Payment History : XXXX : Gaps in payment history violate FCRA 607 ( b ). 

Demand for Action : I expect the immediate removal of the XXXX XXXX  account from my credit reports. Attached is a copy of my credit report, highlighting these discrepancies. 

If these issues are not resolved promptly, I will consider legal action against all three bureaus, seeking {$1000.00} per violation of the FCRA. The case XXXX v. TransUnion, LLC serves as a precedent for my claims. 

I hope for a swift resolution to this matter. Please confirm the removal within 14 days. Failure to comply will leave me no choice but to escalate this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (MS)

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. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-10-02
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under para
graph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-30
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (WV)

On XX/XX/XXXX I, XXXX XXXX completed the application ( Instrument ) issued to me by the Salesman at ( XXXX XXXX XXXX XXXX  ). After signing the application ( Instrument ) l, XXXX XXXX issued it back to the Sales representative as an account receivable. In XXXX Terms : The instrument was an asset to cover the cost of the XXXX XXXX XXXX I was never informed that my application ( Instrument ) would be sold to ( GM Financial ) on my behalf for what the amount financed box display under the Truth-In-Lending Disclosure section. - MISLEADING The next thing I noticed is that the contract at the top states : You the buyer ( co-buyer, if any ), may buy the vehicle below for Cash or on Credit By Signing this contract, you choose to buy the car on Credit under the agreements in this contact. Now Im no genius, however ; this contract is very deceptive and misleading. It is informing I the Buyer that I could either buy the vehicle for Cash or Credit. ( Meaning one or the other not both cash and on credit ) Moving on it states, by signing the contract, the Buyer choose to buy the vehicle on Credit. ( Meaning that now cash is no longer an option if the contract is signed because the Buyer would then be purchasing the vehicle on credit. Doesnt that mean that after it is said and done the transaction will be a Credit Sale ?

Pursuant to 12 U.S.C. 1431indicates clearly that banks can not lend money ; bank are borrowers and in the business of purchasing securities. My application ( Instrument ) was sold to GM Financial as an asset, the finance company credited ( XXXX XXXX XXXX XXXX  ) in the amount of {$37000.00} on my behalf for the asset completed by me the buyer. 

Please See Attached P.S. This contract does not contain any signatures.
Consumer complaint received 2024-10-09
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. (OK)

In XXXX of this year my wife tried to purchase an office chair from a website. She authorized a payment of {$39.00}. The website turned out to be a scam. Not only did she not receive the office chair, but the scammers also charged our account nearly {$740.00} of unauthorized charges the following day. 

We disputed the charges with Ally Bank and were initially given provisional refunds while they conducted their investigation. On XX/XX/XXXX this year, without any warning or communication, they withdrew the refund claiming that the charges were not fraudulent. When I called Ally to appeal the decision I was not allowed to talk with the disputes department. I was told that the other option was to open new disputes with additional documentation. I did this on XX/XX/XXXX. But those disputes have been quickly closed without correspondence or explanation. 

I am just trying to get the fraudulent charges refunded. I have spend about a dozen hours on the phone with Ally 's customer service being bounced around from representative to representative with no results.
Consumer complaint received 2024-09-30
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (TX)

XX/XX/year>, a fraudulent Hard Inquiry was made for XXXX XXXX, XXXX XXXX, reported by Equifax XXXX 

XX/XX/year>, a fraudulent Hard Inquiry was made for XXXX, XXXX, reported by Equifax. 

XX/XX/year>, a fraudulent Hard Inquiry was made for XXXX XXXX XXXX, reported by XXXX. 

XX/XX/year>, I contacted XXXX XXXX XXXX at XXXX to dispute the fraudulent credit card that was opened under my name. XXXX XXXX was able to identify the account, and closed it on my behalf. They also flagged the inquiry as Identity Theft. 

XX/XX/year>, I froze my credit files under XXXX, XXXX, and Equifax. 

XX/XX/year>, I initiated a XXXX XXXX XXXX with Equifax, who should have notified XXXX and XXXX. 

XX/XX/year>, I initiated a dispute with Equifax to investigate and remove the fraudulent inquiries. 

XX/XX/year>, I received a dispute resolution stating they refused, due to the inquiries being valid and factually correct. 

XX/XX/year>, I compiled additional information to prove my identity and disputed both inquiries once more. Again, they refused, stating they are valid and factually correct. 

XX/XX/year>, I received a dispute resolution stating they refused once more, due to the inquiries being valid and factually correct. 

XX/XX/year>, I contacted XXXX XXXX, XXXX XXXX at XXXX and they identified the fraudulent account. They began an investigation and said it should complete within XXXX days. 

XX/XX/year>, I contacted XXXX, XXXX at XXXX, but they were unable to identify an account under my name and social security number. They transferred me twice, and in all XXXX interactions, neither XXXX, XXXX, or XXXX was able to assist me in identifying the inquiry that Equifax claims as legitimate. 

Equifax has been unhelpful throughout this process despite my identity clearly have been stolen and the inquiries wholly fraudulent. 

Please advise me in how to have these Hard Inquiries from Equifax to be removed.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I would like to file a formal complaint against Equifax and XXXX XXXX XXXX regarding their refusal to remove an inaccurate mortgage account from my credit report, despite both XXXX and XXXX having already done so. This unresolved issue has caused me significant stress and hardship, and I believe XXXX failure to remove the item is unjust and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The mortgage account in question, XXXX XXXX, has been disputed for inaccuracy. Following my dispute, both XXXX and XXXX investigated the matter and promptly removed the item from my credit reports after determining it was indeed incorrect. However, despite my repeated requests and providing all necessary documentation, Equifax has yet to take the appropriate action and continues to report this erroneous information.

This prolonged inaction by Equifax has resulted in undue stress and has negatively impacted my ability to manage my credit. As an individual who has taken great care in maintaining responsible credit practices, the presence of this inaccurate item is unfairly damaging my credit profile. I believe it is only fair and reasonable that Equifax follows the same course of action as XXXX and XXXX and removes this item from my report immediately. 

I am requesting that the CFPB intervene and hold Equifax accountable for failing to resolve this dispute in a timely and fair manner. The resolution I seek is simple : the immediate removal of the XXXX XXXX  item from my Equifax credit report, as has been done by the other two credit reporting agencies.

I trust that the CFPB will investigate this matter thoroughly and ensure that Equifax complies with their obligations under federal law to provide accurate and fair reporting. Thank you for your time and attention to this important matter.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I purchased a trip from a travel agent XXXX XXXX of XXXX XXXX XXXX to the XXXX XXXX which included the resort, events, and a boat party. I started making payments to XXXX via a merchant processing company called Partially in XX/XX/XXXX until XX/XX/XXXX for a sum of {$1300.00} for the travel package. I then later sent {$100.00} via XXXX to pay for the boat party. The dates for the trio was XX/XX/XXXX til XX/XX/XXXX. 

On XX/XX/XXXX, when I arrived to the XXXX XXXX I found out that I did not have a reservation. XXXX XXXX had not transferred the monies to the resort. This was true for myself and about XXXX other travel people. I also found out on XX/XX/XXXX that XXXX was deceased as of that day. I had to repurchase a room at the resort in order to have somewhere to stay after traveling to XXXX XXXX XXXX 

I tried resolving this through Chime bank, which was the account I used to make monthly payments to XXXX and the card used to XXXX XXXX for the boat party. I filed a dispute " for services/goods not rendered. Chime denied my dispute saying they found no error. Several of the other travelers are getting their refunds and I feel that Chime should refund mine as well. 

I sent documents showing where I purchased the trip, had to repurchase the day I got there, and XXXXXXXX XXXX XXXX.
Consumer complaint received 2022-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

In XX/XX/XXXX, Mr. Cooper took over servicing my loan from XXXX XXXX XXXX ( in other words, I did not choose Mr. Cooper ). I received in the mail from Mr. Cooper the " Escrow Review Statement '' which shows a shortage of {$680000.00}. The cause of this is an error by Mr. Cooper which assessed {$18000.00} annual property taxes on my 957 sqft condo when the taxes in XXXX were ~ {$5800.00}. I called the the first week of XXXX and brought the error to the attention of Mr. Cooper customer service person # 1. She indicated that it would be resolved well in advance of XX/XX/XXXX mortgage payment. Yesterday, XX/XX/XXXX, I received a notice from the town that my property taxes are delinquent and started assessing interest on the amount. I called Mr. Cooper customer service # 2. The first issue of the over assessed taxes is not resolved and now I have Mr. Cooper addressing why my property taxes have not been paid. I was promised a call back from Mr. Cooper 's tax group, this morning at XXXX, XX/XX/XXXX. No one called back so I called Mr. Cooper customer service # 3 to request that these errors be addressed with urgency. The best that # 3 could offer is a resolution date of XX/XX/XXXX and that I need to pay the excess interest into escrow to avoid penalties and late fees.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

Good afternoon, an apology for my bad XXXX, the problem is the following, I was looking for a house for rent because I urgently need to move, browsing the internet I came across an ad that sent me to XXXX, it was a house I agreed to what I was looking, I contacted the person, he gave me his phone number, we talked about the house, about the application requirements, etc., we made appointments for the tour of the house, we did the physical tour, I signed a physical contract and also by email ... everything was normal, that happened on XXXX, XX/XX/XXXX, I paid the deposit and the application that was a total of XXXX dollars, supposedly the only thing left was for them to clean the house and send me the keys to move, but it never happened, the person stopped Answering the calls and messages never gave me a reason for anything, supposedly he was a Real Estate agent, in the photos I will leave proof of everything, the contract, the bank information to which I made the payments, telephone number, email, etc., if you could help me please This is the email and number of that person XXXX - XXXX
Consumer complaint received 2024-10-19
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: EQUIFAX, INC. (AZ)

Upon reviewing my credit report, I discovered several erroneous entries. The Equifax credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$680.00}
Consumer complaint received 2024-09-27
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-27
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. (SD)

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.

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 2024-09-27
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. (NH)

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.

These two accounts below has smaller amts that were reported without my consent to report as being late. The sub accounts are as follows with totals and times late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States that I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section sates : no consumer reporting agency may make any 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I XXXX XXXX of the XXXX estate have been seeking for immediate action and fiduciary trusteeship of TRANSUNION do to the naccurate information reporting on my credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. Transunion has failed to properly remedy and investigate this matter.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.