davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy.

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

On XX/XX/year> I was shopping around for a motor for a XXXX XXXX. I ran across an ad about motors on XXXX XXXX so I called them too see if they had the type of motor I was looking for. Once I talked to the " customer service agent '' everything seemed fine. After I paid for the initial transaction for the motor, it was pretty odd for them to tell me that I had to pay another fee to get it shipped to my address instead of paying for everything at the same time. I never received an email confirmation from them stating that I paid motor or shipping. I reached out to Chime about the situation and apparently they did a 24 hour investigation and told me that they didn't see any fraudulent activities on my account and closed it instantly. I just lost out on {$1900.00} and I couldn't get any help from an institution that supposedly keeps my money safe.
Consumer complaint received 2024-05-20
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. (GA)

I submitted for a lease transfer on my XXXX account in XXXX  which I was told the fee of {$590.00} would need to be paid by having a check sent in with the paperwork. I had not even submitted the paperwork yet and they went and added the {$590.00} transfer fee on my account. I was struggling financially in XX/XX/2021 due to my Husband losing his job due to covid. I was paying as much as I can each time. I decided not to move forward with the transfer as we did not have the money to transfer the lease. They applied the payments I made towards XX/XX/2021 to the lease transfer fee after I confirmed on the phone with a representative that this would not happen. She stated the monthly payment is always the first priority. This was not the case. The took all of my payments in XX/XX/2021 and XX/XX/2021 and applied it to the {$590.00} charge. This left a balance of {$120.00} due towards the lease transfer fee. I called almost every day to try to get my account reallocated. Due to covid everyone was working at home and communication between team members was very poor! I was told everytime that it would be done with in a few days. No one ever followed up with me or called me back like they said they would. One lady I spoke with told me to keep sending in money and I refused due to the fact it would still be applied to the lease transfer fee that shouldve been removed. It took from XX/XX/2021 till XX/XX/2021 for them to reallocate my account and I was hit with a late payment for XX/XX/2021 and XX/XX/2021 because I did not have all of the extra money they wanted me to send in in addition to my monthly payments. I believe they even waived the late fee charges but will not remove the late credit reporting. This error couldve been fixed way before I got his with a late payment if I did not have the extra charge on my account where my monthly payment money was going. I have never had a late payment ever in my life and once my account was corrected every payment was made on time. There has to be a call log of me calling every day to try to get this resolved before it became an issue. Please help me out as this is hurting my credit. I am looking for some understanding as this something that ally should have fixed much sooner and I have to get blamed and take the fault for it. They never followed through on removing the lease transfer charge from my account or returning my many requests for phone calls. Thank you for your time! 

XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NJ)

My car loan was sold to an extremely bad company. They changed my due date for the loan without letting me know and then they falsely reported to the credit companies untrue information. They also refused to produce any original documents to say that they did anything legally. They destroyed my credit over a fake XXXX dollar fee and then reported that my vehicle was repossessed over the false XXXX dollar fee
Consumer complaint received 2024-03-08
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account number : XXXX  Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-08
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. (AL)

I ALLOWED A NEW OFFICE TO PREPARE MY TAX RETURN AND WAS ADVISED THAT MY INFORMATION WAS LOST DURING A RELOCATION. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I ALSO SEEN THAT SOMEONE HAS BEEN ATTEMPTING TO ACCESS LINES OF CREDIT IN MY NAME WITH CREDITORS SUCH AS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I HAVE NOT AUTHORIZED THESE TRANSACTIONS I'VE CONTACTED THE CREDIT BUREAUS NOTIFYING THEM OF THESE ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERFIABLE.

FURNISHING INFORMATION WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (SC)

I received a Chase Freedom Flex credit card in the mail that I did not apply for. I called Chase, XX/XX/2023 at XXXXXXXX XXXX, they said they would close the account. I asked how was the account opened and when? They could/would not answer. We had received a few emails from Chase a few days earlier about a checking account, we thought they were SPAM and sent them to JUNK. I dont know if someone used my name to open the account or if someone from Chase opened one for us in hopes of us just accepting the credit card and activating it, and them getting the incentive pay for signing us up. This needs to be invetigated. Thank you.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : 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 I expect these accounts to be removed within the time frame specified by law, not later than four business days after the date of your receipt of this letter.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I paid off my lease and bought the car. Hyundai sent me the title but DID NOT send me a SIGNED Odometer report, so the DMV will not allow me to transferthe title.

I called customer service at least 10 times in the past month, escalated the issue to the supervisor line, talked with several supervisors and they all say their system is down and so they can not request the document for me. I keep on calling and no one will help, and meanwhile I can not transfer the title to my name. 
They also sent me other documents without signature ( like the CDTFA ), and I am also trying to get those corrected but I am encountering the same resistance and non cooperation.
Consumer complaint received 2024-05-22
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)

This is my 2nd endeavors to tell the 3 credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$320.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-20
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. (NJ)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (CA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-07
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)

In accordance with the advice from a recent advertisement, I have obtained a copy of my credit report and have noticed inaccuracies that concern me greatly. I take pride in my responsible financial behavior and do not wish for these inaccuracies to misrepresent my creditworthiness. I kindly request the removal of the following items so that my credit report accurately reflects my history as a responsible payer : XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Please delete this fraudulent account from my credit file ASAP.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/, I contacted someone to purchase a product, I was told to send it through family and friends on XXXX. When I sent the {$52.00} to him he stopped responding. I've been trying to get in contact with him for the last 10 days but I have received no response, furthermore he won't even issue a refund back.
Consumer complaint received 2024-03-08
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. (OH)

I sent a letter to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-08
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. (GA)

I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605 b, I have reported the incident to the Federal Trade Commission ( FTC ). According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (TX)

On XX/XX/2023, my credit was hit with two amounts at the charge of {$2000.00} and {$2200.00}. I am contacting yall because I know this was fraudulent charges and other people have experienced from the same company. The company name is ( XXXX XXXX XXXX ). I have never had credit in my life and I have never tried to get credit at any amount especially like this. My contact number is XXXX for any further information of mine needed.
Consumer complaint received 2024-07-13
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. (NC)

I am writing to formally lodge a complaint against XXXX XXXX XXXX  for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX XXXX  has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX XXXX  has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 
Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.