davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (CA)

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Several accounts appeared on my report that I did not open. I am distressed that this incorrect information has been included in my credit profile and that your procedures failed to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information, and every effort must be made to ensure this accuracy. I have already contacted the Federal Trade Commission and filed complaint # XXXX. 

I request that you block and eliminate all inaccurate information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Please ensure the removal of all information related to identity theft, including : XXXX. XXXX XXXX, Account number : XXXX. 

Additionally, under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand actual proof that the information was verified, not just a computer-generated confirmation. 

Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information, so I can follow up.

2. The dates on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (PA)

After reviewing my XXXX report, I noticed a inquiry by CitiBank, Texas on XX/XX/year>. I've never done any business with them. I respectfully request that this inquiry be removed from my record.
Consumer complaint received 2024-06-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (LA)

I applied for an installment loan of approx $ XXXX with Enerbank to have my bathroom remodeled in XXXX. I was making payments until I lost my job in XX/XX/XXXX. I called Enerbank at the end of XX/XX/XXXX and asked about payment arrangements. I was told that if I can resume the previous payments, the account would be brought to show payments are current after 3 consecutive months of payments and the missed payments would be pushed to the tail end of my loan. I resumed the regular payments in XX/XX/XXXX. The last time i called, I was told that the loan was charged off due to non-payment ( of either 90 or 120 days ). The company continues to disregard the payments for XXXX through XXXX and doesn't show the account charged off until XX/XX/XXXX. My credit report shows 90 days delinquent for XXXX & XX/XX/XXXX and 60 days delinquent for XXXX & XX/XX/XXXX, and 'No data available ' for XX/XX/XXXX -- eventhough payments of the monthly amts were made from XX/XX/XXXX through XX/XX/XXXX. I have already filed XXXX disputes through XXXX and this has not been corrected.
Consumer complaint received 2024-06-05
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. (NJ)

According to the FCRA law TransUion is supposed to report accurately under 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) This Organization XXXX XXXX XXXX XXXX is in litigation and I requesting these accounts be removed immediately XXXX XXXX XXXX XXXX ACCT # XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX of XXXX, I went to follow up on a deferment that I had requested in XXXX of XXXX from XXXX XXXX on my account # XXXX because I had noticed that I was being assessed late fees for every month even though I had been paying my lease payment on time. I was informed that the deferment was never processed even though I had information specific to the deferral that would only have been obtained if they had processed it. As a result, they admitted fault by removing all the late fees, but it still meant that I was one payment behind which would have been deferred if they had processed it. As a result of them not processing the deferral, they falsely assessed me a 30 day late payment and reported this to my credit bureaus. Regardless, I made sure my payments were current and sent them a letter requesting that they remove the 30 day late payment from being reported from my credit bureaus because if they processed my deferral in the first place there wouldn't have been a 30 day late payment. They refuse to correct this and I am reporting them so that they can correct their error. If they do not correct this error through this process, I will be pursuing legal action for the falsely reported late payment.
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FlexShopper, Inc (KS)

You had an account with FlexShopper with account number XXXX. 
As of XX/XX/2023, you owed. {$660.00} Between XX/XX/2023 and today :. 
You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$660.00}
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase has been holding onto almost {$20000.00} of my money for almost a year after they closed my accounts. All they say is they are investigating. It does not take a year to investigate. I am XXXX veteran and I feel that I have been taken advantage of by Chase.
Consumer complaint received 2024-06-05
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. (OH)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FACTUAL DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS AMERICAN EXP Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FACTUAL DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

my family had 2 accounts with XXXX XXXX for internet service. 
one with account number XXXX XXXX XXXX XXXX ( still currently active ) and the other one is XXXX ( deactivated ) for some reasons we found out we had internet service for XXXX, XXXX, and XX/XX/2023 on the both accounts XXXX and also on the XXXX XXXX XXXX XXXX. meaning XXXX XXXX is charging me for internet service lines at the same address, which per an XXXX  agent, 2 internet line at the same address is not possible. I paid for my internet services on the XXXX XXXX XXXX XXXX account in full for those 3 months ( and still using this account at the moment ). and i dispute the charge on the XXXX on my credit card because i was not using their service. 

XXXX sent their bill to a debt collection company. the debt collection company sent me a letter regarding the bill sometime last year ( 2023 ). I tried to dispute it and sent supporting documents. From then i didnt hear anything from them whether the bill is wrong nor they removed my bill or anything. Until last week a got a letter regarding the same bill again without any reason or information to dispute it. 

Again, i paid for those three month on my current account and i'm still using the service at the moment. and disputed the charge for those three month on the old ccount as the service was not provided or being used.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (TN)

This is my 2nd 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, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My loans are part of the XXXX XXXX XXXX case. Per the settlement agreement loans pertaining to the case are supposed to be cleared from the credit report by the end of XX/XX/year>. I filed a dispute where it came back that the loans were correct. My loans are still being processed for discharge per the settlement agreement. The balance is incorrect. The deadline for discharge per the settlement agreement has passed. Interest is being reported to the credit bureaus for the loans which is still impacting my credit score which is a violation of the settlement agreement.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (TX)

I contacted all 3 credit bureaus via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) and each company requesting validation abd accuracy of debit. I asked them to provide who from their company provided info to credit bureaus. I did not authorize any information to be shared and demanded they remove all information. They have not.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2024-06-25
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (CA)

File complaint to all three credit bureaus and Midland credit management I have disputed this account with all three bureaus and its been past 30 days and no return service. Ive requested this account be removed from my credit report with all three bureaus since this is not my account identity. Midland Credit has failed to provide my application or contract with my signature on it since Ive never had this account. 

Midland credit management XXXX XXXX XXXX XXXX XXXX, California XXXX NMLS ID : XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-06-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

I received a letter from XX/XX/XXXX about a finance contract that I entered creating securities in that contract that I was told by false advertising that I would be approved for sore down on a line of credit for a phone or other services for their company so I entered into that contract giving ssn and signature to fund they account but was then told to to my credit score I had to put a down payment to get the service I already funded wit my financing contract signed. The letter from XXXX stated that do to a report and information they received from LEXISNEXIS, XXXX XXXX XXXX ATTN LEXISNEXIS XXXX XXXX, XXXX, GA XXXX, it influenced their decision on making me put a down payment when under the us code 15 USC 1662 & 15 usc 1611 state that a down payment in a consumer credit transaction is illegal and the finance charge is the some of all charges
Consumer complaint received 2023-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NY)

I was working on my laptop and smartphone Friday XX/XX/XXXX my mouse on the screen started moving and clicking on my bank app took my phone the dozens of emails and texts what thought was from the bank ended up being a fraud/scammer changing access at XXXX point deleting the app still getting texts emails then it just stopped and it took an hour to gain access to my account when I did everything was changed I had to request new passwords and only to see that my {$2000.00} in a locked savings account was sent thru the app to a person I have never heard of I sent every piece of documentation to the bank they are not returning my money its all I had in the world these people of scammers have still been attempting to charge purchases to my account at large and small amounts they claim they blocked the habitual XXXX but XXXX still getting the alerts I went to the police filed a report then the fbi XXXX XXXX unit and submitted a IC3 report and still the bank will not return the stolen money the attempt charges are still coming between texts and emails its day 6 with no resolution to me I know the girls name on the account that my money was moved to XXXX XXXX and XXXX looks like she has a chime account as well she and whoever else involved locked me out of everything took all the money I had in the world and claim No Error XXXX so mad and upset XXXX a XXXX yr old woman disable paramedic on XXXX I worked a summer job 7 days a week to make money so I wouldnt get evicted I was in court with a lawyer from XXXX till XXXX caught up they dismissed my eviction yesterday XX/XX/XXXX and I had {$2000.00} saved to add to my XXXX check to pay rent the bank is the problem and dont see the problem I thought I was having a XXXX last night my head was pounding and bloody nose as soon as this morning another email trying to get {$290.00} I have no help
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

I tried to get a free annual credit report via XXXX, but I could not get one from any of those three companies. I called XXXX and they said when they were reported, one digit of the social security number was reported incorrectly and I should send my social security card to resolve the issue. I sent it last week, but I am still not able to access it online. I tried to get it via phone call, but it keeps getting hung up at the last step.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX  customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (SC)

On XX/XX/XXXX XXXX XXXX debited my card XXXX times to take {$180.00} from my account. I tried to lock my card but was unable. I called cash app .that money was on the phone 3 hours with manager. She said she would log all unauthorized charges. But failed to do so. 2 more times on the phone for 5 hrs. An unauthorized charges said will be investigating but nothing. XXXX XXXX XXXX. Refunded me XXXX XXXX cent in my favor. But I have XXXX of the same but cash app has failed me an thinks this is a joke. I've had enough. I want someone held accountable. An I want my money back. They closed my account. Lock my card. This is very unsatisfactory business practice..
Consumer complaint received 2024-07-14
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.