davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In XXXX, XXXX, XXXX of XXXX I requested XXXX to investigate and delete my XXXX XXXX accounts because the information that was furnished was incorrect. I provided paperwork from XXXX XXXX regarding account status effective XX/XX/XXXX. They failed to investigate and update the account to coincide with the letter. I then disputed the account due to late payments of being effected due to XXXX disaster. They refused to update. I then provided paperwork from XXXX XXXX stating that they couldn't comply with my correspondence because the accounts are not charged off. XXXX ignored that paperwork and continues to furnish incorrect data
Consumer complaint received 2017-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Back onXX/XX/XXXX after a escrow analysis that would have raised my mortgage payment, my husband who is sole borrower requested if lender Mr. Cooper formally Nationstar would get rid of cushion in order to keep payment same. They agreed and refunded us approx {$1400.00} dollars in which we returned half back in escrow account. After paying XXXX payment I got XXXX statement which said their was {$1600.00} in escrow. Since I knew I would be paying XXXX payment on the XXXX we called and they told us they pay town on the XXXX of quarter due. So onXX/XX/XXXXI planned to call and make up difference in escrow to cover a tax payment Due XXXX I was shocked to find out they had made payment without telling me on XX/XX/XXXX and I have no statement as of today stated that payment. My current statement which was issued on XX/XX/XXXXindicated nothing of this transaction. My escrow account became {$730.00} negative so I made an over the phone payment to escrow today to bring us to positive balance. I will be able to provide documents when I get access to scanner. 

My husband went back thru old statements and discovered they had down this in past paid 2 weeks early and there were months they paid on XXXX ( town gives grace period till the XXXX ) which is what we were told via customer service when we lost cushion so I could keep track and know when I had to have the escrow covered for property taxes. 

In summary all my closing papers indicate is that they must escrow and pay taxes. This is very frustrating because I need three months worth of escrow payments to make these quarterly tax payments and I was not given chance when they paid XXXX quarter early. How early are they allowed and they did this with no indication on statement I do not call them every month for additional dismemberment info, I was going by latest statement which was not even correct. My husband requested taxes be taken out so that is pending. I just want to know if they had the right to do this. I also believe that the constant increases were partially due to them paying taxes early before I had the chance to give them my payment by the first. The past tax increase would have only been a XXXX $ increase that is why we asked for cushion to be removed. We FHA streamlined 4 years ago to bring payment down that is why the cushion was removed, we have never been late since start.
Consumer complaint received 2023-11-14
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)

The dates start back from XXXX XXXX through the end of that month of this year when I notice the unauthorized charges. I kindly showed documents and proofs about the amount and they just straight denied me without any warnings or any investigation. They didnt even take the time out to investigate. Over {$190.00} was taken and stolen from my account. And they aint help me resolve this issue. In regards, me and my lawyer reaching out for a solution to this matter. Im a model and a video creator I have a business those funds is for my business to help me renew and expand and get everything I need for inventory, its outrageous. Im begging for any support to please help me retrieve my funds.
Consumer complaint received 2024-06-26
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. (TX)

I am writing to formally dispute several inaccurate items on my credit report, as I am entitled to under the Fair Credit Report Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602 ( a ) regarding my right to privacy and the accuracy of the information reported. Delete this account immediately, unless you want to be held {$1000.00} per violation. 

Dispute XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2017 Balance : {$1200.00} Dispute XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2024-06-26
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. (TX)

Company reported late payments on my report which is a violation of U.S 15 Code1666 B and 15 U.S Code1681illegal reporting of late payments and permissible purposes
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 ( a ) states : Congress has established that the accuracy and fairness of credit reporting are essential to the functioning of the banking system, as detailed in this section. Inaccurate or unfair reporting methods directly impair the efficiency of the banking system and undermine public confidence. The presence of inaccurate or unverifiable information on my credit report contradicts these principles and needs to be addressed immediately.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : This section stipulates that a consumer reporting agency may furnish a consumer report only under specific circumstances, including with the written consent of the consumer. I have never provided such written consent for the accounts in question.

15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies the conditions under which certain adverse information may not be included in a consumer report. The presence of unauthorized accounts on my report violates these conditions and is causing unjust harm to my credit standing 3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section mandates that furnishers of information to consumer reporting agencies must not furnish information that they know or have reasonable cause to believe is inaccurate. The inclusion of these unauthorized items suggests non-compliance with this obligation.
Consumer complaint received 2023-10-20
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)

This is my numerous attempt to notify you that I am a victim of identity theft and that I wish to inquire about specific entries in my documents that have resulted from the crime. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-05-23
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)

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I am writing to request your urgent assistance in resolving an ongoing dispute with Chime Financial , Inc. concerning unauthorized transactions on my account. I believe that Chime has mishandled my case, leading to significant inconvenience and financial distress. Below, I outline the situation and my request for a fair resolution.Summary of Issue : On XX/XX/year>, I discovered several unauthorized transactions on my Chime account totaling {$1100.00}. I reported these transactions as unauthorized and formally disputed them with Chime on XX/XX/year>. Despite providing all necessary documentation and information, Chime has failed to adequately address my concerns. The details of the disputed transactions are as follows : Disputed Transactions : XXXX XXXX : {$880.00} ( Denied ) XXXX Subscription : {$20.00} ( Denied ) XXXX XXXX XXXX Acct : {$12.00} ( Approved ) XXXX XXXX : {$140.00} ( Denied ) XXXX Subscription : {$20.00} ( Denied ) XXXX XXXX XXXX Acct : {$10.00} ( Approved ) XXXX XXXX XXXX XXXX : {$80.00} ( Denied ) Additional Unauthorized Transaction : During the dispute process, my new Chime card was hacked again and used at XXXX, indicating that someone is still using my account and personal information.Split Decision by Chime : On XX/XX/year>, Chime reached what they referred to as a " split decision '' regarding my dispute. They honored the unauthorized XXXX  charges but denied the rest of my claim. This inconsistent handling of similar transactions raises concerns about the fairness and transparency of their investigation process.Violations of Consumer Protection Laws : Electronic Fund Transfer Act ( EFTA ) Violations:15 U.S.C. 1693f ( a ) : Chime is required to conduct a thorough and accurate investigation of alleged errors. The inconsistent handling of my transactions suggests a failure to comply with this requirement.15 U.S.C. 1693f ( c ) : If a financial institution takes longer than 10 business days to investigate an error, it must provisionally recredit the consumer 's account for the amount in dispute. Chime exceeded the 10-day investigation period and did not issue provisional credit before denying my claim, thereby violating this provision.Fair Credit Billing Act ( FCBA ) Violations:15 U.S.C. 1666 : This section provides consumers the right to dispute billing errors, including unauthorized transactions. Chime 's partial approval of my claim and denial of the remaining transactions, without adequate explanation and within the mandated time frames, indicates a violation of my rights under the FCBA.Failure to Provide Clear and Consistent Communication : Chime 's responses to my dispute have been inconsistent and lacked clarity, which is contrary to the principles of fair and transparent communication required by consumer protection laws.
Consumer complaint received 2024-06-18
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: AMERICAN EXPRESS COMPANY (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (CA)

REFERENCE NUMBER : XXXX REFERENCE NUMBER : XXXX ACCOUNT NUMBER : XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX dated XX/XX/year> regarding a dispute on the above account & reference numbers & also previous disputes regarding this account and reference numbers. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE.

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (NY)

fraudulent charges on their CashApp account. notified CashApp about the fraudulent charges on the account four months ago XX/XX/2022, but has not received any response from the company. 
The facts of the case are as follows : discovered several unauthorized charges on the CashApp account and immediately reported them to the company. made it clear that these charges were fraudulent and should be removed from their account. However, CashApp has failed to take any action in response to these reports. 
As a result, left with a victimless debt on their account that they are not responsible for.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

Account/File # XXXX This complaint is a REBUTTAL to a response from WILSHIRE  CONSUMER CREDIT dated XX/XX/year> regarding a dispute on the above Account/File Number & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information!

The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop responding to my disputes with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and WILSHIRE CONSUMER CREDIT are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - WILSHIRE CONSUMER CREDIT is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (CA)

The first week of XXXX I called XXXX about the collection because the final payment was submitted on XX/XX/XXXX. They gave me the number for credit control. I called credit control spoke with XXXX, he said he had no information and that the debt showed unpaid. I provided the confirmation number sent by reliant showing the payment was confirmed. He said wait a couple weeks and call back. I waited called back and the representative I spoke with in XXXX said she couldnt find my name or any account. I called back the next day same thing. They said they couldnt help me. I called back third week of XXXX they located my account but told me there was still a debt showing and they had no other information to give me. They dont know why its still on there and told me to call reliant. I informed the rep that reliant referred me to them for more info. She said she didnt know why or when it would change. There were several times I called and no one answered all week. It went to voicemail I left messages with my number and information. No one returned my call. They did not attempt to reach out to me once.
Consumer complaint received 2024-05-23
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. (TX)

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. 

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.