davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (TX)

In response to the recent investigation, I would like to express my disagreement with your findings and request that you ensure complete accuracy. I feel that not enough was done to contact the creditors/agencies that have reported negative information on my credit report. As a result, I am now requesting more information about these particular items. I need the following items corrected as soon as possible : XXXX XXXX Balance Owed : {$230000.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. As per 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please inform me once the items have been updated or erased. Afterward, kindly send me an updated copy of my credit report to the address listed above.
Consumer complaint received 2023-10-19
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 requesting that your bureau reevaluate my identity theft dispute and conduct a thorough and unbiased investigation in compliance with federal law. I expect a response that adheres to the legal requirements of the FCRA, including notification of the results and any necessary corrections or deletions to my credit report. I trust that your bureau will take this matter seriously and act promptly to rectify the unjust denial of my identity theft claims. Failure to do so may compel me to pursue legal action and report your noncompliance with federal law to the appropriate regulatory authorities. The identity theft claims in question pertain to fraudulent activities on my credit report. These fraudulent activities include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these fraudulent accounts immediately.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (IL)

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 2023-10-19
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL (FL)

Dear XXXX XXXX, I am writing in further response to your letter dated XX/XX/2023, regarding accounts ending in XXXX and XXXX. While I appreciate you taking the time to respond, I believe there are certain XXXX XXXX XXXX and federal regulations that require you to provide validation and accounting of these accounts. 

Pursuant to the Uniform Commercial Code ( UCC ) 3-501 and 3-505, as the account debtor Synchrony Bank is obligated upon presentment to provide validation and evidence of the accounting and status of the loans, or otherwise provide notice of dishonor. Furthermore, under 16 CFR 433.2 of the Federal Trade Commissions Holder-In-Due-Course Rule, Synchrony Bank must provide notice to the consumer of any assignment or sale of the debt and preserves the consumers rights to demand documentation and proof of claim from the original creditor. Bear in mind that my financial instrument was securitized via Synchrony Card Issuance Trust. Your XXXX XXXX XXXX XXXX XXXX has a fiduciary duty to shareholders as trustees of the Trust, thus must uphold UCC servicing laws. 

As per 12 CFR 226.17 of Federal Reserve Regulation Z and 12 CFR 1022.121-1022.122 under the Fair Credit Reporting Act, I demand a full verified accounting of the current balance owed, as well as documentation fulfilling the error resolution and loan record furnishing requirements for any account information furnished to credit bureaus or third parties. 

Additionally, pursuant to UCC 9-210 Synchrony Bank must provide an accounting of the unpaid indebtedness for these credit agreements secured by collateral. In summary, failure to provide the requested validated proof of claim and accounting of the status and payment history for these accounts constitutes breach of Synchrony Banks legal obligations under the stated federal and uniform commercial statutes.

Additionally, 673.1041 of the UCC preserves my rights to discharge debts through alternate forms of payment. Any 1099-C, 1099-OID, or 1099-A forms Synchrony Financial files with the IRS regarding my account must also be provided to me as the consumer for accurate tax reporting, for any canceled/discharged debt over {$600.00} ( per IRS rules for Form 1099-C ). Failure to provide these forms constitutes as tax fraud. I am requisitioning valid proof of the claim notarized under penalty of perjury of the accounting on the public and private side of my account. 

As asserted in my previous letter, UCC 3-601 preserves your rights as original creditor to collect on or settle these accounts regardless of their charge-off status. Thus, I formally request settlement and closure of these accounts by payment to your institution, as the originating creditor and security holder. Please confirm within 30 days your willingness to accept payment and validate these debts under the required commercial laws. 

Regards, XXXX XXXX
Consumer complaint received 2023-10-19
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. (FL)

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my reports that are not only inaccurate, but they are different reports on all three reports some stating 30 days late and 60 days late on my credit reports : paid account number : XXXX XXXX from TransUnion shows 30 days late on XX/XX/2022 with the previous month showing paid on time and the following month after paid on time as well and XXXX XXXX XXXX which shows on their file that its 60 days late but the previous month and after month paid on time unsure how a payment can be 60 days late if months before and after are paid on time ( XXXX XXXX XXXX ) shows XXXX late with the same paid on time months as listed above for other accounts. No payments were made late these consumers reports are all reporting false and inaccurate information without any reporting agency reports being the same. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Also please update my balance on my credit report it is not what is being listed currently on my credit reports some of the balances are different from what is shown on all three reports
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Credit reporting company. I am disappointed to see that this account has once again been added to my credit reports after you all deleted it entirely as it should have been! I have attached a pdf of what you all had before. I expect my account to be in the same state after this dispute. My account that I had with them was already resolved and paid in full. Anything they are looking for now is not under my account and they documentation that they will show you clearly is not even signed by me. Please see my attached Signature sample and my Birth Certificate which shows my legal name that I use on all contracts as XXXX XXXX XXXX XXXX. FCRA requires that you all actually review these documents and make a determination fairly. Not just accept the information from the creditor or data furnisher. Over XXXX percent of credit reports have inaccuracies. Put the burden of proof on these companies and stop just accepting what they say without proof. If what they claim is legitimate they should provide a contract signed by XXXX XXXX XXXX XXXX matching my signature sample. 

The other issue is that there are late payments reported. The status should be never late! Its impossible for what is reported to be true. Equifax shows XXXX and XX/XX/2022 shows 90 days and 120 days late when all the months before are correctly showing that there were no late payments! 

You all have had more than enough time to get this right. You fail to be timely in investigations, taking more than 45 days to respond. Then you all made proper corrections and removed items, to them put them back again. This is crazy. You all have severely hurt me financially and are preventing me from obtaining credit to cover life saving medical treatments! It is wrong to keep this account on my credit report.
Consumer complaint received 2023-10-19
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NY)

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX. 

I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (NJ)

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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

After reviewing my credit reports I noticed some incorrect addresses on my profile. I sent a letter requesting the addresses to be removed for safety and privacy of my personal information only, my letters went unanswered. Please remove the incorrect personal information from my profile because it does not belong to me and violates my privacy. 

XXXX XXXX XXXX XXXX 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 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Claim # XXXX Claim # XXXX On XX/XX/2023, I discovered an unauthorized charge for {$2700.00} at XXXX XXXX XXXX and Chime credit builder accounts. Immediately, I notified Chime about the unauthorized charge and emphasized that I did not make it. However, to my dismay, Chime has consistently rejected my claim without providing any evidence from the merchant involved. 

The magnitude of this situation can not be understated. My card number and personal information were stolen, leading to me becoming a victim of identity theft. This incident has profoundly impacted my life, causing financial turmoil and immense emotional distress. 

Despite my efforts, Chime has demonstrated negligence in handling this matter. I promptly reported an authorized transaction on XX/XX/2023, and I contacted Chime 's dispute department to inform them about it. Shockingly, even in XXXX, Chime allowed my card to be used for an unauthorized transaction of {$2600.00} and {$220.00} on XX/XX/2023, despite my explicit communication that it was not authorized, and my account did not have sufficient funds. 

The consequences of Chime 's refusal to address this issue have been severe. This situation has left me struggling to meet basic needs for myself and my children. I rely on Chime to protect me from fraudulent activity, and their failure to do so has caused significant disruptions in my daily life and financial stability. 

It is imperative that Chime takes immediate action to rectify this situation, provide the necessary documentation from the merchant, and compensate me for the financial damages I have endured. I deserve to feel safe and secure in my financial transactions, and I urge Chime to prioritize the well-being of their customers by resolving this matter swiftly.
Consumer complaint received 2023-10-19
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. (GA)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

They never told me that direct depositors will need to have new routing instructions. 

I, an XXXX man, had to spend 2 1/2 hours on the phone with Capital One, and now have to deal with government agencies to make sure that the pensions go into the right account. Another nightmare caused by their negligence. 

Also, they never addressed the fact that it took a week to notify me instead of calling me immediately. 

They also did not explain why the XXXX XXXX branch expected me to carry my passport. 

Also, they could not text me on the cellphone that they forced me to buy in order to verify my identity.
Consumer complaint received 2023-10-19
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. (GA)

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 : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name XX/XX/XXXX 3 Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (UT)

Verve has consistently charged me more than the listed minimum amount due on my strangeness. XXXX XXXX is set up to pay the minimum amount due and they've attempted to pull out digit mdouble resulting in overdraft fee from my bank as well as returned check fee from credit card company since I expected them to only take half of what they attempted to withdraw there wasn't enough to pay what they tried to pull.
Consumer complaint received 2023-10-19
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. (GA)

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 :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number :XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number : XX/XX/XXXXAccount Name : XXXX XXXX Account XXXX : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-18
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. (MI)

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, XXXX XXXXXXXX : # 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.