davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (NY)

I noticed the problem in 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 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

I had XXXX unauthorized charges taken from my Chime account which is run by XXXX bank on XX/XX/2023 that total to {$720.00}. It clearly states in my account where they were taken at which is XXXX XXXX I called Chime right away to start a dispute. The transactions were still pending at the time and could have been cancelled but Chime did nothing to help me. They asked me a few questions for the dispute, and then I got an email a few days later saying that they would not reimburse me that I was liable for these charges that I did not authorize and I now have to try to get the money back from the store that the purchases were made, which is XXXX store # XXXX in XXXX New York. I called the store and they will not help me. They told me to file z police report, so I filed a police report to help with this process as well. Chime is a member FDIC and my money should be protected while it's in their possession. They are doing nothing to help me.
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (MO)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-05-11
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. (TX)

Request for Deletion of Collection Account [ Account Number : XXXX ] I am writing to you regarding the above-referenced account with XXXX XXXX XXXX XXXX It has come to my attention that XXXX XXXX XXXX has obtained and furnished my consumer report without my explicit authorization, thereby violating crucial regulations under the Fair Credit Reporting Act ( FCRA ). 

The violations are as follows : XXXX XXXX XXXX has failed to obtain my permission to furnish my consumer report for any permissible purpose as defined within Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ).

Pursuant to Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ), XXXX XXXX XXXX is explicitly prohibited from obtaining consumer reports for reasons other than those explicitly authorized in Section 604 ( a ). 

XXXX XXXX XXXX has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( 1 ) ( 2 ) of the FCRA, 15 U.S.C. 1681b ( 1 ) ( 2 ).

Furthermore, XXXX XXXX XXXX has utilized my consumer report for a purpose other than those permitted under the FCRA, as outlined in Section 604 ( f ), 15 U.S.C. 1681b ( f ). 

Given these violations, I demand that XXXX XXXX XXXX promptly delete the collection account associated with [ Account Number : XXXX ] from my credit report. 

Please confirm in writing once this deletion has been executed and ensure that all pertinent credit reporting agencies are duly notified. 

Failure to comply with this request will leave me with no choice but to pursue further legal action. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-06-12
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. (MI)

Company has continually reported inaccurate information without verification while claiming they have met FCRA standards. Company has had a long history of doing so as 2 accounts they had previously reported as meeting FCRA requirements were found to not meet them and have incorrect information. This file contains both incorrect amounts being reported as the amounts in both letters differ as well as the amount on my credit report are different. The address and personal information is also incorrect and does not match me as it was claimed I was contacted and this never happed due to then information being incorrect and belonging to another user. Company is liable for lying over the last 12 months about running correct reports to FCRA standards. ID does not match current address or previous address or college address.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Business Bureau (SC)

This has been ongoing for the past XXXX  years. My XXXX XXXX were manipulated with my knowledge or consent. They took away my XXXX XXXX XXXX XXXX XXXX XXXX. I tried going back to XXXX  and had reached the total max. I reported this to everyone involved the new XXXX, the past XXXX  and the XXXX XXXX XXXX. They refused to resolve the issues and reinstate my available XXXX XXXX. Im {$80000.00} in debt with a XXXX XXXX XXXX and they wont even give me a XXXX  for the classes already paid for! This debt has weighted heavily in my personal credit report. I have applied for the forgiveness and all. Then I have unauthorized medical bills on my credit. I have disputed these things with the credit bureaus and even put an alert on my credit. Nothing has improved. It is a deliberate defying of constitutional rights and laws! My credit rating is so very low. I cant qualify for anything. I have even reported identity theft and provided paperwork. They have other peoples debt stuck to my credit.
Consumer complaint received 2024-05-11
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. (FL)

I requested company to remove a late charge from my credit reports because it was their mishandling of payment options that caused the payment to be late. 

I scheduled the payments on their website to be paid automatically every month. However, I didnt realize that they only allow up to XXXX months at a time, and XXXX months later, XXXX XXXX put a late charge on all of my credit bureau accounts. All of my accounts everywhere else offer auto pay and XXXX consumers never have to worry about it. I dont understand why they stopped the payment after XXXX months that is unfair to the consumer who is simply attempting to make payments every month. I do not believe that I should be penalized due to their mishandling and lack of options to pay them on time. 

The late charge that XXXX submitted on my credit report is the only account that shows late on any my credit reports that is a reflection of them, not me.
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XX/XX/2018 RE : Mishandling of escrow account by Mr. Cooper My problems with Mr. Cooper formally known as Nationstar Mrotgage started about XX/XX/2018. I have included a large file of documents relating to what they did or better stated didnt do. The net issue is that they failed to pay my property taxes with the funds that I paid them on a regular basis with my monthly payments. When they received the delinquent tax bill they used this to re-calculate my impound account payment and significantly raise the amount I had to pay monthly. I spoke finally to XXXX XXXX who worked to get that corrected and she did get some relief but they NEVER returned the excess funds I had to pay. Then I discovered that they received another delinquent tax bill so after somewhat correcting my statement they once again raised what I have to pay. 

I believe their escrow department is totally incompetent. I also believe they use coercion bordering on extortion to force me to pay this incorrect amount. They know that if I dont pay the incorrect amount they will show my payment delinquent which will have a SEVERE impact on my personal credit. They also know there is NO RUSH to fix this for the same reason. They have taken my money in BAD FAITH and they are not returning my and correcting this issue. 

When I mentioned to XXXX XXXX that since Mr. Copper charges me a late fee if I am late paying them I think they should compensate me likewise. Her comment was, We cant do that. 

My contact at Mr. Cooper is XXXX XXXX XXXX Sincerely,
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DE)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXXredit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-05-09
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.
Consumer complaint received 2024-06-22
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 account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-12
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. (FL)

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report.

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

The inquiries that I wish to remove are located on the attached documents of this complaint.

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60-90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/23, charges I did not make or authorize posted to my account in excess of {$770.00}. I contacted Citicards numerous times to dispute these charges, however, they refuse to remove them. They keep responding to me with claims that they " investigated '' the matter, that I'm responsible for the charges, etc. They also asked me to send documents! Sorry, but I have no documents because these charges are not mine and I didn't make them! Citicards also claims the charges were for airline tickets which were " used, '' however, they were NOT used by me. Furthermore, one of the tickets is in a name I don't recognize. I have disputed these charges repeatedly to no avail. I'm not paying for charges I didn't incur. This is my final attempt at an amicable resolution before taking the company to court.
Consumer complaint received 2024-07-25
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. (NC)

I am XXXX XXXX, and I am submitting this complaint myself with no third party involved. I have attached a letter providing detailed information about the unauthorized inquiries reported on my credit report. 

The accounts listed in the attached document represent all unauthorized inquiries. I have never conducted any transactions with the entities associated with these inquiries, and none of them have been verified.
Consumer complaint received 2024-06-01
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. (FL)

I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.
Consumer complaint received 2021-05-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PR)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-07-23
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: Experian Information Solutions Inc. (NC)

1. Inquiry Date : XX/XX/XXXX Creditor 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 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 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 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

ther 's an inquiry in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX inquiry date XX/XX/year>