davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I am writing to file a formal complaint against Chime Bank regarding the unjustified locking of my account and the refusal to release my funds totaling over {$3000.00}. 

On XX/XX/2021 I discovered that my Chime Bank account had been locked without any prior notice or explanation. I immediately contacted Chime Bank 's customer service to inquire about the reason for the account lock and to request the release of my funds. Despite numerous attempts to get in touch with them, I received vague and unhelpful responses, with no clear explanation as to why my account had been locked. 

As a result of the account lock, I have been unable to access over {$3000.00} in funds that I rely on for my day-to-day expenses and financial obligations. The lack of access to my funds has caused significant financial hardship and distress for me and my family. 

Despite my repeated attempts to provide all necessary documentation and information to verify my identity and resolve any issues, Chime Bank has been unresponsive and has failed to release my funds or provide any clear timeline for resolution. 

I urge the Consumer Financial Protection Bureau to investigate this matter and compel Chime Bank to immediately release my funds and provide a transparent explanation for the account lock. Such actions by Chime Bank go against the principles of consumer protection and fair banking practices. 

I appreciate your attention to this matter and your efforts in ensuring a prompt and fair resolution. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2022-04-13
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. (OH)

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH XXXX XXXX  THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. 

The letter mailed on XX/XX/2021, put you on notice for advertising false and misleading information. In accordance with Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have thirty ( 30 ) days to complete a thorough and accurate investigation and make the consumer aware of the final results of the investigation within five ( 5 ) days.

I was NEVER made aware an investigation was done, or the results of the investigation.

YOU ARE LEGALLY REQUIRED TO EITHER DELETE OR MODIFY THE INFORMATION IMMEDIATELY PURSUANT TO U.S. Code 1681i ( 5 ) ( I ).

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH XXXX XXXX  THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. YOU ARE IN DIRECT FEDERAL VIOLATION.
Consumer complaint received 2024-08-05
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. (MA)

I am writing to dispute the following inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information listed below is incorrect and does not reflect my true credit history. 

Account Information : Creditor : XXXX  Account Number : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Balance Owed : {$2500.00} Account Rating : Derogatory Account Description : Other Collection Agencies Dispute Status : TransUnion XXXX Account not disputed XXXX : Account not disputed XXXX XXXX Account disputed Account Status : TransUnion : Open XXXX  : Closed XXXX : Closed Payment Status : Collection/Chargeoff Creditor Remarks : TransUnion : Account information disputed by consumer, meets FCRA requirements XXXX : Customer disputed account - reported by subscriber XXXX : Consumer disputes this account information, Subject has not satisfied debt Original Creditor : XXXX Discrepancies and Inaccuracies : Date of Last Activity : Discrepancies exist between the last activity dates reported. 

TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : The dates reported are inconsistent. 

TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Account Status : Inconsistencies in account status ( Open vs. Closed ). 

Supporting Documentation : Enclosed are copies of my credit report from each bureau highlighting the inaccurate information, along with any supporting documents for verification. 

Requested Action : I request that the inaccurate information be corrected or deleted from my credit report. Please reinvestigate this account and send me an updated copy of my credit report reflecting the corrections.
Consumer complaint received 2023-12-23
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: Experian Information Solutions Inc. (TX)

In XXXX I had received a call from XXXX about a medical bill which had been turned over to them. I was walking into a meeting at that time in which I asked the man XXXX to call me back in a couple of hours to discuss this in detail and he said he would. Never got a call back. I called this company to see what was going on and got ahold of a different rep in which he said he would get the XXXX who was over my account the message to get back with me about getting a copy of the original bill to send into my insurance. A few hours later I get an email with a settlement offer letter stating if this wasnt accepted they would report to the credit bureau and never the bill. I replied right back to the email again requesting the original bill and got no response from there. All these phone calls are recorded on XXXX end. I disputed this and explained this to Experian and after 20 days nothing changed and they closed the dispute saying it was valid. Wanting to take care of this and get this collection account off my credit report and hurting me. Thank you.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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. (AL)

I am writing to address my ongoing concerns about the disputed accounts on my credit report. I have repeatedly raised issues regarding inaccuracies in these accounts and requested thorough investigations, but I have not yet received any resolution or corrective action. 

These incorrect accounts are severely impacting my credit and creating significant personal and financial difficulties. I urgently need your assistance to resolve this matter as quickly as possible. 

Please conduct a detailed review of the disputed accounts and take immediate steps to update and correct my credit report. Restoring the accuracy of my credit file is crucial for regaining control of my financial situation. 

I appreciate your prompt attention to this issue and your support in resolving it. Thank you for your understanding and assistance.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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 sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( XXXX ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Experian report and other major credit bureaus : XXXX : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
Experian : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
XXXX : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Experian credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have XXXX and XXXX. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and XXXX only applied 2 months. XXXX didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted XXXX and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.
Consumer complaint received 2024-08-29
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/year> I paid in full a {$120.00} debt to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has refused to update that account to reflect closed with XXXX balance, even after several disputes it still shows an open delinquent account with a {$120.00} balance. I'm not sure if this is gross incompetence or it's being done on purpose with malicious intent and it negatively affecting my life and credit score.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (MN)

I noticed 3 charges from " XXXX '' on my account. These were charges not authorized by me in any way even if they swiped my card previously these charges were not authorized. I immediately called them to report the issue and they cancelled my card and sent a new one. Then had two more charges come up after the card was cancelled even!! So I call again and am told again nothing can be done about " pending '' charges which I also find ridiculous but moving on .... got an email saying that " no error '' was made lol????? IM VERY UPSET AT THE FACT THAT MY BANK GETS TO TELL ME WHO I AUTHORIZED AND WHO I DID NOT AUTHORIZE TO ACCESS MY MONEY!!!! THIS IS AN ONGOING ISSUE WITH SOFI SINCE THEY DID IT BEFORE. WHEN I CALL AND SAY I DIDNT SPEND THIS MONEY THAT MEANS IT IS UNAUTHORIZED AND I DONT WANT HEAR " WE WILL INVESTIGATE IF IT WAS A LEGITIMATE TRANSACTION '' ... ... .OMFG IF IT WAS LEGIT I WOULD BE THE ONE TO TELL YOU IF IT WAS OR NOT.

SO NOW OF COURSE IM GOING NEED TO FIGHT TO GET MY MONEY BACK AGAIN THAT I REPORTED RIGHT AWAY AGAIN THAT I WAS DENIED AGAIN.
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. (NV)

Re : Request for Assistance in Removing Identity Theft Accounts from Experian Credit Report I am writing to formally request your assistance in resolving an issue with Experian, one of the major credit reporting agencies, regarding the removal of accounts from my credit report that are a result of identity theft. Despite my compliance with all required procedures and provision of necessary documentation, Experian has failed to remove these fraudulent accounts as mandated by the Fair Credit Reporting Act ( FCRA ). 

According to Section 605B of the FCRA, 15 U.S.C. 1681c-2, a consumer reporting agency is required to block the reporting of information in a consumer 's file that is identified as resulting from identity theft, not later than 4 business days after receipt of : Appropriate proof of the consumers identity ; A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information is not related to any transaction by the consumer. 
I have submitted all the required documentation to Experian, including : A copy of my drivers license to establish my identity. 
A recent gas bill to confirm my residency. 
Reports from the Federal Trade Commission ( FTC ) indicating that the disputed accounts are a result of identity theft. 
Despite these submissions, Experian has not complied with the legal requirement to block the fraudulent information from my credit report. The specific accounts that need to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Assistance I have made multiple attempts to resolve this matter directly with Experian without success. I am requesting your intervention to ensure that these accounts are removed from my credit report in accordance with the FCRA. 

I appreciate your prompt attention to this matter and look forward to your assistance in facilitating the removal of these fraudulent accounts from my credit report. 

Thank you for your time and consideration.