davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
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: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

The original loan amount was for {$7500.00}. It has now ballooned to over {$16000.00}, with {$23000.00} total accrued interest. I have leaned that private student loans require a XXXX XXXX of at least XXXX. Back when these loans originated with XXXX XXXX XXXX XXXX  years ago, my XXXX XXXX was barely XXXX. So these loans should have never been granted as a XXXX loan.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

Resurgent Capital Services ( LVNV ) collections has been placing info on my report I have done a verbal Cease and Desist also a written letter also confirmed they received the letter I have been working extremely hard to repair my credit and I have no business with them
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I mailed a check for {$250.00} to Ally Lending for a loan payment that was due XX/XX/XXXX. On the XXXX I received an email from them stating that they had not received payment and I was late. I called and made the payment over the phone. After that, they received and cashed the check. Since then I have also mailed in a payment for XXXX. I called and asked if I could skip the XXXX payment since I made XXXX payments in XXXX, and they said no. They said that even though I was fully paid through XX/XX/XXXX, if I did not make an additional payment in XXXX, they would mark my account as delinquent. It does not seem right to me that they could put my account in delinquent status when they also admit that I am fully paid up through that time. I think something should be done about this unethical business practice. I also was not notified that they had cashed the check, and if I had been on a tight budget, making XXXX payments during the time that I was only supposed to make one would have caused me a financial problem.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX DC XXXX Subject : Dispute Regarding Paid Account with TransUnion Dear CFPB Team, I am writing to bring to your attention an issue I encountered while attempting to dispute an account with TransUnion. I reached out to their dispute department regarding an account that has been paid in full, and I believe it has not been updated accordingly in my credit report. 

Despite my efforts to provide the necessary documentation proving that the loan was paid, I have not received a satisfactory resolution to my dispute. 

I kindly request your assistance in resolving this matter with TransUnion to ensure that my credit report accurately reflects the status of this account. I have attached copies of relevant documents, including payment confirmations and correspondence with TransUnion for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX [ Attachments : Payment confirmations, correspondence with TransUnion, etc. ]
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My credit report contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed this late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated it and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My credit report contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed this late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated it and the bank also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$24.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Stop ignoring my requests ; I'm serious about suing your company for not fixing my credit report. Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts now or face legal action, and respond immediately to avoid further consequences.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Stop ignoring my requests ; I'm serious about suing your company for not fixing my credit report. Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts now or face legal action, and respond immediately to avoid further consequences.
Consumer complaint received 2024-01-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing in regards to my credit report which contains inaccurate and incomplete information that requires attention. Specifically, I am writing to dispute an item on my credit report related to an account with XXXX XXXX XXXX. The account was opened on XX/XX/2018 with a balance of {$0.00}. The reason for my dispute is that your agency has not provided enough information to verify the debt in question. XXXX, one of the credit bureaus, has already removed this account from their records due to an error that was found. I am confused as to how you have verified this account while the other bureaus have removed it. Therefore, I request that you delete this account from my credit file as it is inaccurate, erroneous, incomplete or unverifiable.
Consumer complaint received 2024-09-06
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)

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 2024-09-02
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. (KY)

You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. 

The background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXX personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXX. 

In an official data breach notice filed in XX/XX/XXXX XXXX XXXX XXXX indicated XXXX XXXX records may have been breached, said XXXX XXXX XXXX,XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX focused on mitigating riskXXXX  of identity breaches and theft. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing in regards to my credit report which contains inaccurate and incomplete information that requires attention. Specifically, I am writing to dispute an item on my credit report related to an account with XXXX XXXX XXXX. The account was opened on XX/XX/2018 with a balance of {$0.00}. The reason for my dispute is that your agency has not provided enough information to verify the debt in question. XXXX, one of the credit bureaus, has already removed this account from their records due to an error that was found. I am confused as to how you have verified this account while the other bureaus have removed it. Therefore, I request that you delete this account from my credit file as it is inaccurate, erroneous, incomplete or unverifiable.
Consumer complaint received 2023-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I sent this Credit Reporting Agency a dispute with several accounts that were inaccurate, incomplete, and asked them to be verified and updated and got no response. The CFPB website said under the Fair Credit Reporting Act that the Credit Reporting Agencies only have 30 Days to investigate and respond to the disputes however, I have disputed these items with Equifax on more than one occasion on XX/XX/2023, XXXX, and XX/XX/2023 and they have yet to respond. How are these credit reporting agencies allowed to violate consumer rights and not comply with the Federal Law? Did the law change that credit reporting agencies no longer have to respond to disputes? It's hard enough in the current economic times to stay financially stable and then you have these credit reporting agencies allowed to report misinformation that is hurting your credit scores and your opportunity to improve your economic situation. Isn't the CFPB supposed to protect the rights of consumers and hold the credit reporting agencies in compliance? Please help me!
Consumer complaint received 2024-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX got notification from Capitol one/ XXXX XXXX XXXX XXXX  that there has been hard inquiry from lenders I didn't. The hard inquiries were from 2 different state- XXXX XXXX XXXX XXXX  and Capitol One XXXXXXXX XXXX and I live in XXXX  XXXX 
Called XXXX  to put a freeze and alert the other credit beaures. Now I am putting this complaint as per XXXX  guidance so the hard inquiry can be disputed and removed.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

My Chime account was closed for a reason unknown but in my saving i had over XXXX left in my saving and i can not get any thing back at all and i dont even know why my account was close i would just want my money back and leave chime in general
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY ()

- I was refunded {$3200.00} for a security deposit paid to XXXX XXXX XXXXXX/XX/year> ( and {$87.00} for the XXXX fee ) - I ended up with a total negative balance of - {$3200.00}. 
- I waited to see if Amex would contact me about this negative balance. 
- After a week, I heard nothing, so I contacted support. 
- I contacted support on XX/XX/year> via chat. The chat agent failed to refund my accounts initially but did succeed to get my authorization to send a wire transfer to my XXXX XXXX  account in the amount of {$3200.00}. 
- On XX/XX/year> I notice a strange charge on my Amex card of {$970.00} which only has a description of " ADJUSTMENT ''. I assume that this is related to the refund I requested and perhaps this is one part of a many part adjustment - On XX/XX/year> I notice another " ADJUSTMENT '' of {$3200.00} and I get concerned. I hope that the earlier adjustment will be automatically reversed. 
- On XX/XX/year> I contact the chat customer service, I ask for an explanation of the adjustment charge of {$970.00}. They say verbatim " Please do not worry this is not a charge on your account. '' " This is just a refund from Amex on your account '' " No, please do not worry this is not something you owe. '' " I assure you that this is just an adjustment like credit. '' - On XX/XX/year> I contact support again since the charge has shown on my statement that I owe {$1000.00}. I receive no explanation. They tell me it will take XXXX weeks to investigate the charge- On XX/XX/year> I contact support again and after an hour of chat messages and being redirected to the supervisor, I have to leave for an appointment and end the chat. 
- I try again on XX/XX/year> They tell me there was a transfer initiated to an account ending in XXXX, AN ACCOUNT WHICH I DO NOT OWN. I HAVE NO ACCOUNTS REGISTERED OR NOT REGISTERED WITH AMEX WITH SUCH A CODE. They tell me that they will try to give me a credit for that amount. 
- I checked back in on XX/XX/XXXX, There is no credit still and they tell me they will try to initiate a transfer again- It is now XX/XX/XXXX, over 2 months from the initial conversation and mistake American Express put a charge of {$970.00} on my account, they tell me this was a refund initiated by an agent via a paper check to an invalid address WHICH I HAVE NEVER EVER AUTHORIZED, they tell me they will investigate the issue for weeks, they tell me they will refund me credit to my account, they do none of it American Express has stolen {$970.00} from me. I will be seeking legal damages after this if I see no resolution.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My account was closed around XX/XX/year> ( that was the date when my balance showed XXXX ). Today, XX/XX/XXXX, I have not received the check in the amount of more than XXXX. I went to the branch at XXXX XXXX XXXX XXXXXXXX TX XXXX were I opened the account, and they could not help me because their phone lines were not working, So I went to a branch at XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX. The lady who attended me told me I had to call customer service, I explained her that I had tried that, but since I had neither the app nor the debit card that would not work. The lady in a bad manner told me that it was my problem, not hers. I went back to the XXXX XXXX  branch around XXXX XXXX  and they had the same issue with their phone lines. 
So, my more than XXXX are in limbo and there's nobody I can go to. 
The only reason they gave for closing my account is a counterfeit check that somebody gave me. I reported the mismanagement of the issue to this board, and I guess BofA closed the account as a way to punish me.