davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Jennifer McCoy, PC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Debt Recovery Solutions, LLC (FL)

I'm not liable for this debt charter communications. I don't have a contract. XXXX  collection Agency ( Debt Recovery Solutions ) they didn't provide me the original contract as I request, Please Correct my credit report I demand this account be removed from my credit Report.
Consumer complaint received 2024-04-05
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. (IA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2024-04-05
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
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: C/C Financial (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit 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: Chime Financial Inc (AL)

On XX/XX/2023 I recieved security text messages from Chime informing me that my card was being used in transactions at a XXXX in XXXX California, & I was asked in the text message whether or not it was me that was trying to do those transactions. I said no & I received a text back stating that the transactions were blocked. However, Chime still allowed those transactions to go through & the scammer that was using my information at the XXXX in California was able to make those transactions successfully. I tried to dispute the transactions immediately but they were pending & I couldnt dispute them. I called the specific XXXX in XXXX California to let them know that someone fraudulently used my card information at their gas station & they wrote down my information & told me to dispute it with my bank because The XXXX was on vacation. Finally was able to file a dispute this morning once the fraud settled in my account. I need supporting documents or video footage of the fraudulently person using my card information so that I can speed up the dispute process. Im out of {$120.00} that I really needed. My name is XXXX XXXX, I live in XXXX Alabama. Literally the last transaction THAT I MADE MYSELF a few hours before the fraud happened was at a raceway gas station in XXXX Alabama, which is over XXXX miles away from California. 
The Fraudulent transactions happened at the XXXX on XXXX XXXX XXXX XXXX California. My bank is Through Chime.
Consumer complaint received 2023-10-16
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (SC)

Mariner financial, did a hard inquiry on my XXXX credit report on XX/XX/2018 after I spoke with an agent and advised them that I did not want to refinance, because they would run a credit check and my husband and I are in the process of purchasing a new home and I received notification that there was a hard inquiry from Mariner Financial on XX/XX/2018. I have reached out to the credit bureau to have them remove it.
Consumer complaint received 2023-10-16
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NE)

My car got totaled I called Ally Bank for my title they will not turn it over cuz they said I still owe them money for the car and I told him no I don't you got sued in XXXX or XXXX for over financing XXXX  with their vehicles and I was one of them and I got paid a check me and my mother she was the cosigner we got a {$13.00} check a piece so I don't owe you no money you got sued for over financing me a XXXX XXXX for over {$36000.00} and I'd already paid you over XXXX and they still said I owe them {$10000.00} for the vehicle so it would not turn my title over to the insurance company so I can get paid for my car that was total they want the money so I'm calling you and see if you can help me because it was consumer financial protection bureau and the department of Justice that sued are made Ally pay back this money so if you can help me and my insurance company is XXXX and it's the claims department if you can help me with this I appreciate it my phone numbers XXXX and my name is XXXX XXXX
Consumer complaint received 2023-10-16
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. (NY)

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 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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-16
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. (GA)

CASE # XXXX AGAIN ITS A VIOLATION, TRANSUNION HAD MORE THAN 60 DAYS BEFORE THIS COMPLAINT THEY NEVER REPLIED I HAVE PROOF OF ALL THE LETTERS I SENT SINCE XX/XX/2023 AND THEY SAID THEY WILL OPEN AN INVESTIGATION, NOW WE ARE IN XXXX NOW I DONT HAVE 60 DAYS IM TAKING THIS TO THE FCC, SECRETARY OF STATE.
Consumer complaint received 2023-10-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/XXXX, we purchased a XXXXXXXX XXXX XXXX XXXX XXXX  and financed it with Vystar Credit Union XXXX XXXX XXXX XXXX, FL XXXX. I set up automatic payments through my XXXX XXXX XXXXXXXX checking account that were transmitted successfully for 15 months. In addition, all of these payments included additional principal payments. 

On XX/XX/XXXX, I received an alert from my credit monitoring service of an adverse entry in my report, a 30 delinquent account reported by Vystar. I had not received any communications from Vystar regarding this account being in the rears. I contacted Vystar and was told they had not received my XXXX payment ( due XX/XX/XXXX, and also my XXXX XXXX ( due XX/XX/XXXX ). Although both payments cleared my bank on XXXX and XXXX respectively. I was told to get the electronic trace numbers from XXXX, which I did for both payments and provided to Vystar. On XX/XX/XXXX, I was notified that they had found both payments, reversed the late fee for XXXX, and credited both payments to my account. However, no one at Vystar knew how to correct their reporting to the credit bureaus. It took an Email to senior leadership to get that done. 

This morning, I got another alert that XXXX had received yet another delinquent account notice from my Vystar account, showing my XXXX payment 14 days past due, yet again ( paid and cleared on XXXX ). Again I did not receive any notice from Vystar that his account was in rears, which it shouldn't be since they claimed they credited both payments on XXXX XXXX. 

These two actions by Vystar had a negative impact on my credit rating, dropping it from XXXX to XXXX. Ironically, on XX/XX/XXXX once these payments were credited I complained to senior management. My credit rating went back up, only to once again drop. I find it distressing that despite having two phone numbers, email, and snail mail address Vystar makes no effort to notify a borrow of a late payment. This is the 21st century and every other creditor has an automated system to do so. Yet, Vystar 's only automation is to turn to the credit bureaus. I have to wonder, if I didn't have credit monitoring how long would they have continued to hold my money without crediting to my account? Would I have found out about it when the repo agent came for my RV?
Consumer complaint received 2023-10-16
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. (DC)

Can transactions be reported on Credit Report? 





XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

All Late Payments, All Collections, and All Inquiries. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX )
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Inquiries
Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I was trying to purchase something and my card was blocked so I called the bank. And I found out my account has been closed. No warning or anything I then proceeded to go inside the branch to collect my money. I walked inside to speak to one of the tellers she discriminated against me and wouldnt give me my money. I never had a negative balance I always kept direct deposits coming through. They never gave me any warning or advance notice and wont give me a reason. This bank is capital one.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ND)

I signed up for a best buy CitiBank card around XX/XX/XXXX. The terms were not explained to me by the employee that had signed me up or an information packet and the employee unbeknownst to me at the time did not put in my address details completely correct. 

I was told my card would arrive in 7-10 days per an email directly from Citibank. I waited longer than this to contact them due to slow postal service times however I never received my card in the mail. 

I received a voicemail from Citi that my card had been returned because of an address issue ; when I contacted customer service I was told I would not be able to update my address to receive the card unless I was able to verify my account, however, to verify the account I would need the full account number, which I did not have since I did not have the physical card. I was told to wait a period of time ( a few hours ) and I would be called back, but never was. 

Next time I called I am unsure about ( a few times in XXXX ) but I was similarly told the same except I would receive a letter instead, but I would not get the letter since my address on the account was still not updated. After talking to another customer service agent, I was told my account would be placed on review/hold for XXXX days and to wait for notification from Citibank to be able to verify my account. I had never received text, email or voicemail regarding this after XXXX days. Last call XX/XX/XXXX I was told I would be contacted and would need to call back once that happened most likely within XXXX hours. This has still not happened. 

Similarly throughout this process, I am told I am unable to close the account according to customer service reps because I can not verify it. This means I can not even pay the account fee on the card itself, let alone use it. I also can not use the online portal due to not having the physical card ; I can not make an account without the full card number. I have been asked for exceedingly personal information about my account ( e.g my SSN ) so there is no reason I should need to further verify anything to simply change address or close the account outright that to this day has not been used and is unusable.
Consumer complaint received 2023-10-16
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions 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.