davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX Account # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (IL)

During several months in XXXX, I have contacted the credit reporting agencies with various inaccuracies on my credit file. The agencies have not resolved the errors at all and just list erroneous comments that should all be removed. 
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In accordance with the fair credit reporting act the following companies have violated my rights by listing multiple inaccuracies on my credit file : XXXX XXXX XXXX XXXX ( account # XXXX ) - Is listed on my credit without my consent. Service was never rendered and equipment returned. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) - The status is not derogatory and comments are inaccurate and should be removed. This account was sold to another lender. 
XXXX ( account # XXXX ) - The open account dates are inaccurate. The account was closed. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) The status and comments are inaccurate and should be removed. The car was returned and no balance is due. This finance company is involved in predatory practices and engages in constant harrassment. I was listed as a cosigner without my knowledge. 
XXXXXXXX XXXX ( account # XXXX ) - The status and comments are inaccurate and should be removed. This XXXX XXXX has another name listed on the account. This financial institution engages in constant harrassment tactics. 
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XXXXne or more of the following FCRA laws have been violated : >> 15 USC 1681 section 602-A states that I have the right to privacy.

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>> 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

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>> 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies.

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>> XXXX XXXX address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ).
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-04
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. (IL)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2023-02-08
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: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-10-12
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)

XXXX XXXX Account number XXXX, Date opened XX/XX/2023, XXXXXXXX XXXX  XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

On XX/XX/XXXX, my Chime debit card was stolen out of my vehicle and used to withdraw {$400.00} from a ATM. I called chime immediately to cancel the card and to send a new one. I filed a dispute on XX/XX/XXXX, on XX/XX/XXXX my dispute was denied for the first time. I called chime they said I needed to file a police report, so on XX/XX/XXXX I obtained a police report. I called chime again, uploaded all of my supporting documents that I have to show that the withdrawal was definitely not me. Which was a police report, a written statement and I also showed where I was literally at work clocked in while this transaction happened. I have called chime and rebottled my dispute XXXX times, and it has been denied every time with Chime saying the same exact thing every time. I even spoke to a Supervisor of Chime this last time, he said he was confident that I should get my money back and he wasn't sure why I was being denied. BUT, I just got another email stating that I was denied once again for the sixth time.
Consumer complaint received 2023-10-12
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)

XXXX XXXX, Account number XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

First dispute : Opened XXXX. I requested refund of {$7000.00} and submitted evidence. I told them there will be three transactions of {$7000.00} showing on XXXX. First is the purchase, second is the refund, THIRD is another purchase ALL ON THE SAME DAY. I had customer service representatives even make notes to say that I am disputing the SECOND PURCHASE. They closed this dispute saying I received my refund on XXXX. EVEN THOUGH I CLEARLY STATED THE ABOVE. 

Second dispute : Opened XXXX. I reiterated that I am disputing second charge of {$7000.00}. I again submitted evidence. They ended up AGAIN closing the dispute on XXXX saying I received refund on XXXX. Merchant didn't even submit any evidence. Now I have opened third dispute on XXXX.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, I am writing to bring to your attention unauthorized credit inquiries appearing on my credit report. Upon reviewing my credit report on the three-credit bureau XXXX I discovered several hard inquiries made on [ Date ] by various financial institutions, including XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX without my knowledge or consent. 

The unauthorized inquiries occurred on the following dates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Section 1681b, these inquiries were made without a permissible purpose, as I did not initiate any credit applications or transactions with these institutions on the specified dates. Despite my efforts to resolve this issue directly with the credit companies involved, I have not received satisfactory assistance or resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to remove the unauthorized credit inquiries from my credit report as soon as possible. These inquiries negatively impact my credit score and financial standing, and I am concerned about the potential consequences if left unaddressed. 

Please find enclosed copies of my credit report highlighting the unauthorized inquiries. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

This company closed the my checking account because an accident when my yard man cashed a check on that day in XXXX no blocked account or closed account but he cashed the check I thought it would be fine because I was told that I was going to get my Long Term XXXX but that day it never came. So the account end up saying it was over which is weird since they didnt pay it. So here is XXXX XXXX mobile upload a check that I needed cashed they dont have a branch in Texas so I mobile deposited it I got off work early was going to go pay my first months rent for my new house I never saw the amount update. So I called them to ask them and they transferred me to some department to verify the check it went all from there the women ask me question verify the verified phone number so I gave her every number I called all of them was not verified then she transferred me to somewhere else they verified me then he said have the lady from the company call-in answer some questions and verify so she did XXXX times then they said the check was counterfeit and she wasnt calling in from a verified phone number. So I waited for a lil bit then call back found another number and asked was that verified they advised yes called told them to call she called rep transferred her to accounting office was close I called back the next day had someone call the same lady that called 3 times she answered Same questions check was verified. Still didnt unblock my account then they said it was referred for closure the same day I was crying wanting my XXXX dollars and etc. So when they say I went against policy no I did not. Lets fast forward who takes XXXX to 60 days to close an account when it takes XXXX min to open XXXX. But I am a single mom I need every XXXX I need that money for upcoming rent and to get a car and pay some bills, get meds its like XXXX total I can not wait for them to give me my money thats rightfully mine that they are torturing me with when they are the ones you are closing my account. I am not waiting till the end of XXXX better not even the end XXXX to get my money. They need to close this account by the 30 day mark which is XX/XX/2023 which is also a couple days after the 30 days.Because has got to be illegal. And even if it takes you longer to close this account then just give me my money I have to have it by XX/XX/XXXX my son is already afraid of being Homeless again and without a car and at this point its on you so, I would really appreciate if you all could expedite the review of my account and close this expeditiously so I can get my money that I need quickly. Thanks
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX, a subrogation department, has been contacting me for the payment of {$35000.00}. According to XXXX, I owe this money to the insurance company USAA due to a traffic accident, but they haven't been able to provide an explanation of where this amount comes from. They also discussed a possible driver 's license suspension, which I consider a threat. It is worth noting that USAA hasn't personally contacted me regarding this. On the XXXX of XXXX, I sent a letter to XXXX by certified mail asking for these details, but they sent the same initial letter with no answer to what I asked for. This has been causing me a lot of stress.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

there are several hard inquiries on my credit report that should not be on my report. mainly from auto finance companies. i have not authorized anyone to run my credit for any purpose let alone for the purpose of purchasing a car. At the time/date of these inquiries that are listed on my report i was not looking to even purchase a car or take out a loan of any kind seeing as my credit score was in the low 600/and or below. 
the following are the inquires listed on my report, and some of them are listed on transunion and not XXXX. and XXXX or XXXX are on XXXX and not transunion which also dent make sense. 

The following incorrect inquiries are as follows and are on either all XXXX of the credit bureau 's or at least one of the 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In the beginning of XX/XX/year>. I noticed that the Trans Union agency listed a collection against my credit report by the XXXX XXXX XXXX agency based in XXXX XXXX MN. I promptly disputed the collection through TransUnion and after 3 weeks I received a report that determined that this was a legitimate debt. When I asked about any details about this debt or how TransUnion determined that it was a " legitimate debt '' the representative explained that they are only a reporting bureau and not the agency itself. Realizing that representative probably knew nothing besides what was on the computer screen I asked the representative for the contact information which she gave me. 

I then called the XXXX XXXX XXXX agency and I explained the situation. First, the representative explained that the account name ( listed as my nickname ) was the wrong name. I explained that I have gone through this farce over 4 times with collections agencies and credit bureaus. I politely suggested that she speak to her supervisor on this matter as to how to proceed because if I could not get the information needed to clear my credit report then I will be forced to pursue legal action. 

After a few moments, the XXXX XXXX representative gave me the account number of the collection, the original creditor XXXX XXXX XXXX cable and the address that the cable was receiving the cable service ( an apartment in Mississippi and I have a house in NJ ). 

After this she explained how I could go to XXXX XXXX XXXX directly and explain that I was victim of fraud. XXXX XXXX XXXX 's process requires me to provide a police report of fraud and documentation that I was residing in. It almost seems to me that XXXX XXXX XXXX is attempting to make it so difficult that a person will just settle and they or the collections agency can make a few bucks in the process. Needless to say, they chose the wrong person.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.
Consumer complaint received 2023-06-06
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.