davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : ID FRAUD FAKE CREDIT CARDS STOLEN CREDIT CARD BANK ACCOUNT THEFTS XXXX XXXX RETIRED MOTHER with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = HOME XXXX = CELLULLAR May use other ID 's such as ..... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began creating false credit cards at XXXX XXXX XXXX XXXX XXXX 

XXXX has created other false accounts in thee name of XXXX XXXX XXXX, All of thee references may be found within XXXX XXXX XXXXXXXX XXXX  US CREDIT REPORTS. 



XXXX XXXX XXXX 's credit report has DROPPED from XXXX to XXXX. 


I, XXXX XXXX XXXX need HELP from thee FEDERAL GOVERNMENT. 

PLEASE HELP MYSELF. 


I, XXXX XXXX XXXX was threatened by XXXX, if I reported her son 's crimes, she would KICK MYSELF OUT of her home. 

XXXX was my FATHER 's wife before he passed in XXXX. 

XXXX removed my name, XXXX XXXX XXXX from thee HOME TITLE and placed her XXXX sons names on everything she had possession of in XXXX XXXX XXXX and XXXX XXXX XXXX 's name. 

XXXX XXXX XXXX has already referred myself to a XXXX XXXX in XXXX. 

XXXX was thee XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX was thee parent who enrolled her son XXXX XXXX XXXX in thee XXXX XXXX XXXX of XXXX, XXXX, but not herself. 


XXXX XXXX ABUSED myself during the time period of when my FATHER began cheating on herself involving himself with other women in thee XXXX XXXX  AREA. 


I, XXXX XXXX XXXX do not need XXXX XXXX. XXXX should have kept her own son XXXX in XXXX XXXX. 

So many FEDERAL LAWS have been broken by XXXX 's son, it is her fault for removing him into the public atmosphere. 


XXXX XXXX XXXX XXXX XXXX XXXX Credit Card was stolen during thee time period of XXXX. 

By the way, same year XXXX XXXX XXXX stole XXXX XXXX XXXX XXXX XXXX XXXX Credit Card in XXXX. 

A credit check must be requested with all THREE BRANCHES of these agencies. 

I pray that thee XXXX  sends and submits my complaints this time. 

By thee way, if the XXXX  FAILS, my mailing address is ..... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU, for your assistance. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I noticed an unidentified charge on my chime account from XXXX that was not showing on my XXXX account. I contacted XXXX and they wouldnt help. I then contacted chime and was told my card was compromised so they replaced my card and filed a dispute. I submitted the screenshot I had of my contacting XXXX The dispute was then canceled by chime and denied within 8 hours of the initial claim and they refuse to assist, reopen the claim or provide information they used to deny the claim. The {$94.00} charge was not made by me as is shown in my purchases from XXXX
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

This is a qualified written request in regards to the follow up for resolution on CFPB Case number : XXXX spoke to Nationstar representative XXXX at ( XXXX ) XXXX as a follow up to CFPB Case number : XXXX and she advised that the current late charges on the account would not prevent my eligibility on the " Enhanced Pay -For - Success '' program. 
Please have Nationstar confirm on what exact date the {$5000.00} principle reduction, as part of the " Enhanced Pay -For - Success '' program, will post to Mortgage Loan Account XXXX? I have confirmation from Nationstar 's records of my required payment for XXXX/XXXX/15, posting to the account on XXXX/XXXX/15. Please have them expedite this principle posting and provide me the specific date, no later then XXXX XXXX, 2015, of the posting. 
Nationstar completed a horrendous miscalculation of escrow analysis amount in the statement dated XXXX/XXXX/2015 ( attached ), where they increased my payment from {$1700.00} to {$2200.00}, starting XXXX 2015, and then tried to cover it up with a new escrow analysis, out of the blue, dated XXXX/XXXX/2015 ( attached ), which reduced the payment, starting XXXX/XXXX/2015, to {$2000.00}. Nationstar has removed all record of the XXXX/XXXX/2015 escrow analysis from the online statements that I have access to. 
Please have Nationstar clarify the following : Why did they increase the payment for these two months? Was Nationstar trying to cause me to go delinquent by increasing the required payment {$470.00} for the two months so they would not have to apply the " Enhanced Pay -For - Success '' program? I specifically need root cause and time line of the error in calculation, when the error was discovered, and when Nationstar recalculated the escrow analysis. In addition, why did Nationstar required higher payment in XXXX and XXXX of 2015 and then send out the notification in XXXX about the recalculation with a new effective payment of {$2000.00} on XXXX/XXXX/15, the month after the 6-year anniversary payment was due. At the least, they seem to have known that there was an issue back in XXXX. Why would n't the XXXX 2015 payment have been reduced to the {$2000.00} after they found an escrow calculation mistake.
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I noticed on my XXXX XXXX account, it said I had a late payment for my XXXX XXXX loan for the month of XXXX I reached out to XXXX XXXX XXXX  over the phone who said they received my payment on time, and are not sure why XXXX XXXX is reporting that information When I contacted XXXX XXXX, they told me to dispute that incorrect information to TransUnion I made my first dispute with TransUnion on XX/XX/XXXX. I provided the bank statements showing I had made the correct payment on time, same scheduled day as every other correct payment. They completed the dispute on XX/XX/XXXX saying the information is correct and that was all. 

So I opened another one on XX/XX/XXXX with the same information, more frustrated because they are just closing my disputes without any reasoning. They closed this dispute on XX/XX/XXXX with the same statement, everything is correct. 

I called them directly to explain the issue, and I was told that making a 3rd dispute would be pointless and I would have better luck contacting the FTC. At this point, they are just refusing to acknowledge the issue. Please help me...
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: EQUIFAX, INC. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.

Furthermore, I have not received a response to my letter within the required timeframe of 30 days. This failure to respond not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ), but it also reflects a lack of accountability and adherence to consumer rights.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

THIS INFORMATION THAT ON MY CREDIT REPORT XXXX XXXX XXXX ( XX/XX/XXXX ) _ XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 STEMS FROM ME BEING A VICTIM OF TRAFFICKING PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS INLIGHT OF SECTION 605 C OF THE F.C.R ACT THANKS FOR YOUR HELP AND UNDERSTANDING
Consumer complaint received 2024-05-04
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. (PA)

I think that under FCRA 605B, we're obligated to remove any inaccurate accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in terms of reporting, including incorrect amounts and dates.
Consumer complaint received 2024-01-28
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. (MI)

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity. If can not verify please delete XXXX XXXX : WRONG PAYMENT HISTORY XXXX XXXX : WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX : WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQ XXXX XXXX : ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation XXXX XXXX : THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXX : THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX XXXX : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS XXXX XXXX : Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number XXXX XXXX : Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on XXXX  & EQ XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX : 90 DAYS LATE ON XXXX & 60 DAYS LATE ON EQ THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON EQ BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED XXXX HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity I just want these accounts deleted
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me
Consumer complaint received 2024-01-28
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. (CA)

I am writing to formally dispute the reporting of credit utilization by XXXX on my [ XXXX, Equifax, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX, specifically account number XXXX  - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691.

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information.

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

The account was in a negative static and i paid the account in full in then and the account haven update. there is XXXX different company 's that I was redirected to report to Comennity Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original company Victoria Secrets. This account is continuing to being sold to other agencies even after it has been paid in full. 

The account was paid in full in XX/XX/XXXX, As shown on the payment conformation letter that I am uploading. However the last payment date on the credit report is showing for XX/XX/XXXX.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i recently sent letters to the CRA 's reporting an inaccurate and incomplete account they are reporting on my credit report. 15 usc 1681e ( b ) states all information has to be 100 % accurate and complete before reporting.

the following inaccurate and incomplete item is : Family support division XXXX I have attached a copy of each letter below for your reference
Consumer complaint received 2022-11-08
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. (MD)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXXXXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$270.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-11
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  - XXXX XXXX XXXX XXXX  XXXX has violated my right as stated. 

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.

This inaccurate information reporting on my credit reports with TransUnion and XXXX  is negatively impacting my credit score and ability to obtain new credit and employment.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I am unaware of this debt I did not have an opportunity/knowledge that I can dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( LVNV acct No. XXXX XXXX XXXX  ) be removed from my consumer report immediately in light of my consumer rights being violated.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After recently looking over my credit report Ive found several inquiries that are unauthorized and fraudulent. After reaching out via phone they wouldn't allow me to dispute inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$4100.00} XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} - late open XXXX XXXXXXXX Balance Owed XXXX {$240.00} XXXX XXXX XXXX Balance Owed XXXX {$6100.00} XXXX XXXX Balance Owed : {$4100.00}