davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, 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)

In accordance with the fair credit reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

CHIME HAS REPORTED FALSE ACCOUNT INFORMATIONS THAT HAS NOW CAUSED MY XXXX SCORE TO DROP BY XXXX POINTS. THE COMPANIES IN QUESTION ARE : XXXX AND XXXX. 
A {$240.00} BALANCE WAS RECENTLY REPORTED TO THOSE COMPANIES THAT IS ABSOLUTELY -- -- -- -- -- FALSE. I NEED THIS MATTER RESOLVED IMMEDIATELY.
Consumer complaint received 2023-09-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhard v. Gravens ( mo ) 281 sw 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in facts therefore exists
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (FL)

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name : XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by [ EQUIFAX ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. 
Sincerely,
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, XXXX contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason TransUnion feels XXXX not following all the steps. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with TransUnion for over 6 months, XXXX at wits end. This is the XXXX complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. XXXX is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Consumer complaint received 2024-04-09
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. (SC)

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 EXPERIAN.COM 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. Please see attached file for these items I am complaining.
Consumer complaint received 2023-10-10
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA (WA)

I filed a complaint with Mohela in XX/XX/2023 about a loan taken out in my name that I did NOT take out or receive any money. They then decided to give the person ( s ) another lone in XXXX. I have tried to call. I file a complaint. No acknowledgement from Mohela or the XXXX XXXX  regarding the documentation. 

Mohela Acct # XXXX XXXX XXXX XX/XX/2023 {$2600.00} XX/XX/2023 {$4900.00} I do NOT has any XXXX attending school in Arizona. 
I have NEVER applied for student loans for either myself or any of my XXXX.
Consumer complaint received 2024-01-15
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. (AZ)

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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)

The late payments showing on these accounts are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. So please DELETE the accounts from my file! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX first pay day was XXXX XXXX I downloaded chime. Chime advised me to get my old account back I verified got into my old account from before XXXX  chime said XXXX accounts person cool. As Im looking through my account I noticed in XXXX of XXXX, {$6200.00} was in my checking account but I only see {$5.00} as of XXXX XXXX. How I immediately file a dispute, so now its XXXX XXXX its XXXXXXXX XXXX XXXXm going from customer service rep to rep I ask for a supervisor I explain whats going on she sends me a secure link to upload my supporting documentation she assured me everything will be taken care of. XXXX XXXX I call in for an update on my dispute and to also find out why my account has a notice stating on XX/XX/XXXX my account is going to close. By the way chime stats that in a situation such as an investigation with older accounts the account will be accredited the amount in question i received a notification for closure. So XX/XX/XXXX at XXXXXXXX XXXX  Im on the phone with chime a customer service rep tells me my supporting documentation was not with my dispute, I tell him thats impossible because a supervisor did my dispute, this rep helps me send me another secure link. XXXX XX/XX/XXXX access the secure link sent the documents again.called chime to see if the documents was received. While on the phone with them I guess from me asking can I be informed why my account is begin closed out to where is my documents to telling them who I spoke with with dates times and different departments they hung up on me. XX/XX/XXXX I received a email stating upon investigation chime did nothing wrong and my account is begin closed because of suspicious activity. I immediately rebuttal now Im asking to only speak to supervisor 's I uploaded all my documents to the secure link I screenshot each one since no one at chime seems to know where my documents was XXXX XX/XX/XXXX. XXXX my rebuttal comes back chime played no part in what happened those was authorize transactions.and my account was shut down I provided XXXX information I provided property receipt from XXXX stating a phone a watch and a debit card I provided my XXXX account basically anything I purchased while XXXX XXXX  or any services I used all would be in my XXXX account I even provided my XXXX XXXX  receipts from XXXX of XXXX so we can match up with my XXXX account just to help them out to see all money I get spent or used is documented. I provided Documentation for my rent I provided documentation for child support for the month of XXXX. I provided employment history to show for that fiscal time why I was receiving that money from the irs.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

XX/XX/2024 unauthorized charges were made to my account by a merchant by the name of XXXX XXXX balance add. The account doesnt belong to me nor did I authorize this account to take money out my account and nor did I give them permission to access my account! I filed a dispute it was denied, I reopened the dispute with helping information as far as a police report and my bank statement from my XXXX XXXX balance stating that it wasnt my account who accessed the funds
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 writing to bring to your attention the inaccurate and incomplete credit information that you have reported on my credit profile. I find it extremely disappointing that you have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, as required by credit reporting laws. The information listed below needs to be investigated immediately, and I demand to be provided with proof of the alleged items, specifically the contract, note, or other instrument bearing my signature. If you fail to provide this proof, then the items must be removed from my credit report 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. I find it extremely concerning that XXXX has already removed these accounts from their records, indicating that there was indeed an error present, yet you have failed to follow suit. I demand that you delete these items from my file as they are inaccurate, erroneous, incomplete, or unverifiable. It is unacceptable that you are not complying with the law, especially when the other credit bureaus have already done so. US BKPT XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Filed XX/XX/2022.
Consumer complaint received 2023-12-26
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. (KY)

I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of XX/XX/1974, the Fair Credit Reporting Act and Family Education Rights and Privacy Act. I have reached out to the credit reporting agency and XXXX they have not responded. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am Filling this Complaint Against credit report agencies XXXX, equifax and XXXX As I see false information on my report is being commingling which can be assumed as fraud Pertaining to Truist Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which XXXX, XXXX and equifax provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section XXXX states I have the right to privacy 15 USC 1681 section XXXX Section XXXX it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off XXXX  account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer report
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
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. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-15
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. (TX)

In keeping with the Fair Credit Reporting Act, I am asking that my claim be investigated and any unauthorized inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (CA)

On XX/XX/year> I requested Westlake Financial to move 2 late payments to the back of the loan and to let me catch up on a partial payment on XX/XX/year> of approximately {$350.00}. My car was repossessed the following day ; I believe because of this reason my car was repossessed with wrongful intention now they are asking me to pay fees that I had made a prior payment arrangement for plus towing fees.