davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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 checked my credit report and I can still see the Fraudulent accounts that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

Ok so basically I depsitted a large amount of money in my chime account. Money came from the covid Assistance, my taxes, savings etc. pretty much it was my savings I previously had in my XXXX and felt it should be in a bank to be more secure. I started seeing emails from chime transactions alerts on my phone so I called reported the issue they gave me back what was stolen. Then I had the misfortune of losing my phone which had my banking app and pretty much my identity on the palm of their hands. I reported everything immediately and chime stood by while my account was being drained day in and day out. I was helpless to stop them because my info was changed. And chime closed my account after it was fully drained. Ive put in multiple disputes rebuttals and all get denied when I ask for the documentation on why my claims were being denied all they do is send me a list of transactions Im disputing. Ive called spoken to pretty much the whole company from disputes, new accounts dept, fraud, supervisors and all tell me they will send an email to the correct dept and for me to wait for a response from support @ chime. I wait I get a response and they tell me the exact same thing. Nothing. Just keep getting denied and when I ask for documentation on why they are denying my claim they send me what Im disputing basically nothing. I ask why they close my account and they say it does not comply with the user deposit agreement. I ask which part they say read the deposit agreement. I didnt do nothing wrong. I deposit my money and it gets stolen and they refuse to help me they just give me the run around.
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-09-26
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
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)

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 2023-10-13
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: EQUIFAX, INC. (MN)

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT 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
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( XXXX, TransUnion XXXX XXXX ) ( XX/XX/XXXX, {$2100.00} XX/XX/XXXXXX/XX/2022 {$3500.00} XX/XX/XXXX ( XX/XX/XXXX {$760.00} XX/XX/XXXX ( XX/XX/XXXX, {$470.00} XX/XX/XXXX ( XXXX XXXX, {$260.00} XX/XX/XXXX ( XX/XX/ASPIRE, {$1300.00} XX/XX/XXXX ( XX/XX/MILESTONE, {$700.00} XX/XX/XXXX ( XXXX XXXX, {$3300.00} XX/XX/XXXX ( XXXX, XXXX, XXXX {$220.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX 
{$1300.00} XX/XX/2023 ( XXXXXX/XX/XXXXXXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX ) Bank XXXX XXXX XX/XX/XXXX (XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX ) Personal Loan Companies XXXX XXXX, XXXX ( XX/XX/ASPIRE ) Bank Credit Cards XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXXXX/XX/2022
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (GA)

The company acted in a fraudulent manner which caused me to make an uninformed decision. Therefore, I am exercising my right to rescind the credit transaction pursuant to 15 U.S. Code 1635 and 12 CFR 1026.15 - Right of rescission. 

The company did not provide me with adequate disclosures as the Truth in Lending Act requires. The company did not clearly and conspicuously disclose to me the terms for the annual percentage rate and the finance charge and all that it includes. 

The company did not clearly and conspicuously disclose to me the options available to me for insurance or that the insurance is supposed to be included in the finance charge. 

The company did not explain that I had a right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under the Truth in Lending Act. 

The company charged me a down payment which is not a requirement in a consumer credit transaction. 

The company has caused me damages to my family due to omitting and withholding information, and using fraudulent, misleading and deceptive practices to coerce me into entering a fraudulent agreement.
Consumer complaint received 2023-10-13
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. (TX)

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX  {$1200.00} XXXX XXXX XXXX {$1700.00}.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (SC)

I been having a terrible experience with Experian and XXXX XXXXMy credit score was XXXX as of this month of XXXX up until XXXX XXXX it dropped tremendously 120 points back to XXXX over night, due to a XXXX  XXXX account for the balance of {$950.00} and according to my credit report it's saying this account was opened XX/XX/XXXX XXXX.I have no knowledge of this and I disputed it quite a few times till finally It was removed in XX/XX/2019 and and it was taken off my credit profile but now its back on there and I informed Experian about this matter and although I have a security freeze an Experian representative told me that XXXX  XXXX broke or lift my security freeze which is illegal i'm thinking for one and to add to that this account isn't mine, and I worked very hard to get to this status and explained to them I been a victim of identity theft and did the report online and they have it on record, Infact all three bureaus do. This is hindering me because literally I'm been pre-approved for a mortage loan and i'm literally in a middle of closing and all documents been signed for both parties, now the lender gon na submit my documents to the underwriters and then this happened with my score dropping over night out of no where down to XXXX but just the day I was at XXXXPlease if there's anything you can do to fix this matter like yesterday, I will greatly appreciate it.By the way I know there's people in this world that don't mean well with no go intentions but i'm not one of them.I ; m an genuine honest guy and family man and a XXXX  XXXX   and just wan na do right by my family and be able to purchase the home we deserve.I work on the road alot working XXXX  XXXX at XXXX XXXX  and XXXX  XXXX  and barely home my personal info has been probably vunerable and leaked on the dark web, Which I stated this in my identity theft reports
Consumer complaint received 2023-10-13
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (NH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Paid off credit card # XXXX on XX/XX/2023 for XXXX Credit card got shut down even though I was in good standing. 

Paid off second credit card for {$360.00} on XX/XX/2023 and they closed that card also. 

There was the third credit card XXXX that bounced even though I paid that one off and had sufficient funds on XX/XX/2023. It was bounced on XX/XX/2023, even though I had thousands in my bank account. They shut down all three of my cards because of one bounced card that was paid off. Ive been in good standing for all three, yet they decided to shut down three of my cards without notifying me.
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Braviant Holdings, LLC (AL)

On XX/XX/XXXX I received an email from XXXX XXXX XXXX stating that I owed a debt of XXXX. I called the company to inquire about this debt. They stated that the original debtor was Balance credit. I called the debtor to inquire about this so called debt I supposedly owe and spoke with agent from company who stated that they had no record of me ever taking out a loan with company. I then call XXXX XXXX XXXX and relayed my findings to them, and she provided me with an account number XXXX. I then called Balance credit again and asked them to look up the account number provided. They, again had no such record of that account number in their system. I again called XXXX XXXX XXXX to convey the findings to them. I was told by agent they would call me back. I never heard from them but I got a letter in the mail stating I owe this debt. I know for a fact that this debt is not mines. As a matter of fact I applied for a loan with Balance credit on XX/XX/XXXX and was approved for a loan. If I had an outstanding debt with them they wouldnt have approved me for a loan, also the debt is not on my credit report. I dont even know what the people from XXXX are talking about regarding this debt. I did not take out a loan with these people on XX/XX/XXXX. I would have remembered if I did.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (OH)

Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, Rushmore Loan Management, that my loan was being switched to their servicing division, Rushmore XXXX XXXX. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, XXXX reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 
Why am I being penalized for an arbitrary change the company made? Is this a way to detract from the credit worthiness of its mortgagees? How do I get credit for my loan being in good standing? 
This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 
Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. I shouldn't have to be downgraded for an accounting change made by this company. 
Thanks for your assistance.
Consumer complaint received 2023-10-13
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. (MN)

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT MAGNFINCU - 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
Consumer complaint received 2024-04-05
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. (IN)

I purchased a car thru XXXX XXXX XXXX XXXX in XX/XX/2019, I paid the car off, I received my title which I'm attaching w this complaint in XX/XX/2019. They're reporting it as a XXXX  XXXX  or as it isn't paid. XXXX  XXXX mailed me my title in hand in XXXX, then XXXX day I looked and it's showing as if I never paid a XXXX  on it which is incorrect. It has been on my report for XXXX  and nobody will properly investigate it. I have reached out to each bureau and their constantly updating my report with incorrect information which is a FCRA violation. I WANT THIS REMOVED AND FIX before I sue.
Consumer complaint received 2022-12-07
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. (NV)

i recently reviewed a copy of my crediy report. i was really mad to see i had been a victim of identity theft. i found a account on my credit report that was not open by me. this has been hurting me at buying my first home and im having my second child this year at the age of XXXX. I finally have a family now! - ) please remove this fruadulently open account from my credit report soon as possible!
Consumer complaint received 2023-04-19
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
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)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

account on my credit report, despite confirmation from the respective bank to remove it. This failure to comply with the law undermines consumer protection and erodes trust in your services. 
I demand immediate action to rectify this situation. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have tried numerous times to get them to prove the debt which they have not. I won't to see the signed copy of debt from original creditor. I want to see copies of the paperwork where you legally bought the said debt and it was transferred to you by law I am entitled to those things and have not received them. I have tried repeadly to get them to provide it and they havnt
Consumer complaint received 2023-10-13
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. (WA)

Date of fraud was XX/XX/XXXX. It is for a loan from XXXX XXXX for some type of security system. Address attached to this is XXXX XXXX XXXXXXXX XXXX XXXXXXXX IN, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XX/XX/XXXXXXXX XXXX