davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XXXX I filed a dispute with CHIME BANK for an unauthorized charge in the amount of {$150.00} from an unknown company. My phone was lost/stolen that contains all my personal information not limited to, my name, address, stored card numbers and cvv codes. In less than XXXX hours, I received a final decision from CHIME stating that an investigation had occurred and found " no error. '' That would be virtually impossible! What type of investigation and due diligence occurs in less than XXXX hours and outside of business hours, no less? This company has acted negligently on my behalf. There was no detailed explanation or documentation included that supports their decision/investigation. It seems to me this company just denied the claim without conducting a proper investigation. Upon researching CHIME and their disputes process, this type of negligence seems customary. The lack of proper investigation and supporting documentation is a violation regulation E and against the law. Additionally, I have filed a complaint of the theft with FBI under cybercrimes as I believe this unauthorized transaction occurred electronically.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called today, XX/XX/year> about a Lending Company used by my Dentist. This is regarding of outstanding balance to be paid used by Dentist for the total charge of XXXX} which was already cancelled, therefore, no service has been rendered. 

Transunion Credit Bureau has a number to call from their Website but to no avail for this hijacked by another company who does services in repairing your Credit Report with fee. 

Eventually, I got the correct number but always holding your call and worthless answer that has nothing to do in removing my bad credit report. It looks like nothing at all and in favor with the Lending company who reported me for delinquent account.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-13
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. (NY)

I am writing for a fourth time in response to false information TransUnion is reporting on my account. They claim to have 'investigated ' and 'verified ' the information is accurate, if so then i should be provided with documentation proving the validity of this account XXXX XXXXXXXX as I did not authorize nor did I apply for it. 

I have provided TransUnion with documents 3 times including police reports, FTC reports, my sensitive personal information and documents as well as fraud packets. I have received nothing in reply showing this account was authorized by me. Neither of the other two major credit agencies ( XXXX and XXXX ) are reporting this account on my credit file. Please help!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

my information was exposed on it in a data bridge which are these inquiries I did not inquire on my report. It should be a move. Immediately. Incorrect information has been exposed to my report. these inquiries I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect spelling of my name XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-02-01
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-13
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. (MA)

On XX/XX/XXXX I received an email from XXXX XXXX for Trans Union and XXXX regarding a hard pulls that was done on my account that very day. XXXX XXXX listed XXXX XXXXXXXX as requesting information/performing a hard pull and XXXX had listed : XXXX XXXX twice - once on XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX as having pulled my credit. 
I had called each of the 3 credit bureaus and placed a credit freeze on my account. I had spoken with XXXX on XX/XX/XXXX and was informed that I had fraud alert included with my subscription and a case would be created to look into each of the unauthorized request made on my account. On Monday XX/XX/XXXX I called TransUnion and had to converse with a bot over text messaging. I was informed that a written letter would need to be sent to the company. I then called XXXX on XX/XX/XXXX and was told that a dispute would be placed however I would need to file a report with the FTC in order to have the hard pulls removed from my credit report. I contacted and spoke with the fraud/application department at each of the institutions who pulled my credit, all had informed me that a stop would be placed on the application and a fraud alert placed on it. Also, the company will be reporting fraud to the credit bureaus to have them remove the inquiries from my account.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-23
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. (NY)

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am writing to dispute the following information in on XXXX XXXX Experian credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have this account placed on my report by this agency. Please remove this accounts immediately, as my rights are being violated. 

Please update me, when this item is removed as soon as possible. 

Accounts and Information violating my rights that I wanted removed. 


Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX USA Sincerely, XXXX XXXX Enclosures : Im enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-02-01
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-02-01
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. (TX)

15 U.S.C 1681n civil liability for willful non-compliance with these accounts 15 U.S.C 1681o civil liability for negligence non-compliance with these accounts 15 U.S.C 1681e compliance procedures with these accounts 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 FCRA section 604 ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of.

15 U.S.C 1681S-2 Inaccurate reporting by all these companies listed below XXXX : acct # XXXXXXXX XXXX  : XXXXXXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX  : acct # XXXXXXXX XXXX XXXX XXXX : acct # XXXXXXXX XXXX : acct XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX : acct # XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX : acct # XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX :
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I understand that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am owed {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

I XXXX, XXXX/agent requested a bill statement monthly payoff for the account on XX/XX/23 and the statement was posted to the online account after XX/XX/23. The bill statement is due by the XXXX of XXXX. On XX/XX/23 the first letter of instructions ( claim of credit ), POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff endorsed was sent to the CFO ( XXXX XXXX ) over night and was received on XXXX the XXXX at XXXX XXXX  ( letter of instructions states 5 business days will be given to receive a response ). A copy of the endorsed negotiable instrument of the bill statement monthly payoff was sent to the billing center requested in the letter that was sent to XXXX XXXXPrincipal. No correspondence from the CFO was ever received of completed instructions. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff on XX/XX/23 and received on XX/XX/23 at XXXX XXXX giving 5 business days to respond. No correspondence has been received at this time from the CFO. The third set of instructions was sent on XX/XX/23 ( default of notice ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the bill statement monthly payoff. Again, given 5 business days to respond accordingly. All instructions were sent overnight using USPS with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/23 the instructions have not been completed by the CFO at this time. As of now the CFO of Citigroup Bank is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the bill statement monthly payoff to be paid out for the account with Citigroup Bank and 1 percent of the total assets of Citigroup Bank member bank.
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

On XXXX I made 2 transactions to the below Crypto Wallet addresses. Both showing as successful in the Crypto Trackers and at the originating institute ( XXXX ). 
However, just one transaction was added to my account, a detailed below : The transaction to PayPal Crypto address : XXXX for XXXX XXXX was correctly transferred to my PayPal account. 

However, the transaction to PayPal Crypto address : XXXX for XXXX XXXX, did not reach my account and still at this PayPal transient address. 

Both addresses were provided by PayPal on XXXX for the purpose of fund transfer into my PayPal account.
Consumer complaint received 2024-02-01
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report and was shock to notice all the previous miss payments I had. I call the credit card company to resolve the problem they notice it was an incorrect area on them. They removed all the late payments interest and got everything back in order. I notice the late payments is still showing up on my credit report cause my credit score to be terrible. I'm in the process of purchasing a home for my family I please ask can you get the late payments remove from, my account and my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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)

I have contact Transunion on several occasions via dispute. There is a XXXX XXXX account reflecting my TransUnion consumer report, which I have told TransUnion that this items does not belong to me and requested that this items be removed and block per FCRA section 605B. As of today they have failed to do so. I have also attached a copy of my identity theft report # XXXX and police report # XXXX.
Consumer complaint received 2018-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I went to XXXX in XX/XX/2008. I was charged a total of around10,000. My loan was split up into 4 or possibly 5 different loans. I paid off 1 that was a total of XXXX I got them to let me pay it for XXXX. So now I just owe my bank. I have another one that's XXXX? interest? I understand I was in forborence for quiet some time. but is that legal to let your charges get that high.

I paid for several yrs XXXX sometimes less sometimes more. never seem to go down. they always had an excuse why. I want answers not excuses. im willing to pay but c'mon.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to contest the inclusion of this bankruptcy on my credit report. It's alarming because I possess a court letter clearly stating it should not be reported to you. Additionally, the involvement of an unauthorized third party adds to the ridiculousness of this situation.
Consumer complaint received 2024-05-13
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)

These inquiries on my report I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-13
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. (TN)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.