davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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. (TX)

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


Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF EDXXXX. Account # XXXX balance XXXX Account Name : DEPT OF EDXXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$1700.00} Account Name : DEPT OF EDXXXX. Account # XXXX {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX XXXX Account # XXXX Account Name : CAPITAL XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
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. (GA)

XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX Balance = XXXX 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear TransUnion, I am writing to formally dispute an account on my credit report that I do not recognize. The details of the account in question are as follows : Account Number : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$510.00} High Credit : {$510.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection Date Last Active : XX/XX/XXXX I do not recall opening this account, nor do I have any knowledge of its existence. Therefore, I am requesting an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of this account and provide me with any information or documentation you have on file pertaining to this account. 

Additionally, please remove this account from my credit report if it is found to be inaccurate or unverifiable. The FCRA requires that you conduct a reasonable investigation of my dispute and correct any inaccurate or incomplete information. 

If this debt is found to be incorrect or fraudulent, I would also request the application of protections afforded under the Fair Debt Collection Practices Act ( FDCPA ). 



Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

On XX/XX/24, I received a credit alert from my bank that my Equifax credit score changed. Since I pay monthly for credit monitoring with Equifax, I logged into the Equifax member website to check my credit score. To my surprise, my credit score dropped a devastating XXXX points overnight from XXXX to XXXX!! 

I reviewed my credit report and no changes had taken place, no new accounts, no new inquiries and I had received no alerts from Equifax 's credit monitoring service. There is absolutely no derogatory information on my Equifax credit report or any new actions that would warrant an XXXX decrease in my credit score. 

I called Equifax and spoke with a representative who also reviewed my credit report and felt the XXXX point drop in my credit score was unjustified by any data that is actually on my credit report. The representative advised she was escalating the matter to management and read her report back to me which included all details. She advised I should hear from a manager within 24-48 hours and to date, I have not heard from anyone since my call with her this month. 

This has happened on more than XXXX occasion with Equifax and they are unable to justify it. I am concerned about possible racial profiling whereby Equifax may very well have an algorithm set that intermittently, unjustifiable and illegally issues a subpar credit score to non-white Americans. Either way, there is something going on with my account which Equifax has not corrected to ensure this error does not continue to happen and impede my chances to obtain additional credit on terms that my credit history warrants.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX had inaccurately reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681eb because it is not accurately reporting and demand this late payment be updated to paid as agreed
Consumer complaint received 2024-06-18
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Bank of America closed my account in the beginning of XXXX, 2023. Monies were withheld/frozen. In a letter the bank indicated they would be mailed to me. I have called the bank several times requesting the status. At times they have indicated the funds would be returned And other times not. During the last communication they indicated the funds were frozen and they would not be released. They indicated I should contact the source that Issued the monies to the bank to have the monies returned to the source.I have not received the money.
Consumer complaint received 2024-06-18
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. (NC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-29
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)

I am writing to address discrepancies I have uncovered in my personal credit report that are significantly impacting my financial standing, particularly concerning my ability to secure housing. While I acknowledge the potential for errors, I have familiarized myself with the dispute process and understand the mandated investigation time-frame of XXXX days. Despite submitting my FTC report, which identified an error, and the removal of this account by other bureaus, your bureau continues to report them. This leaves me perplexed as to how this account was verified by your bureau when others have successfully removed it. Therefore, I request the immediate removal of this account from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX
Consumer complaint received 2022-12-06
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. (LA)

I have been a victim of identity theft I have several accounts on my credit report that are not accurate with multiple inquires. I have tried to reach out to the companies to explain the situation and I have not gotten any help I have been dealing with this issue for Months.
Consumer complaint received 2023-12-20
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. (SC)

I called Experian to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that Experian is violation of FCCA.
Consumer complaint received 2023-12-20
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. (IN)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-10
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. (SC)

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

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-20
Product: Credit card — Store credit 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 (FL)

XX/XX/23 till present, Purchase {$1000.00}. Package that needed signature was delivered but absolutely not possible since I was at work during the delivery notification came for this package that was signed with my name misspelt wrong on the app and possibly handed to the wrong person/apartment. I have proof and receipts that I was NOT able to be the one to sign it. I was at work when the package was delivered at XXXX as it shows in the attachments. I can use my job site as an alibi. I spoke to XXXX a dozen times, provided a valid police report, and so far dealing with a dispute with the store card carrier Synchrony. Spoke with leadership and said they'll provide a refund after verification identity, I did that, still nothing. They are giving me the run-around. 
Someone else took my package under my name. Documents listed below.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I have submitted a fruadulent/scam claim to FTC report XXXX XXXX. Please see attached what I have submitted. I was scammed out of {$11000.00}. Please direct me on what can be done to recovered the funds I have lost. Thank you!
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2022 I, the natural living man and consumer applied for credit with PayPal Credit Reference # XXXX and was denied. But how can I be denied when PayPal is utilizing my application through their securitization process and then selling it to third-party investors. PayPal brought nothing of equal consideration to this transaction, but are monetizing my application and are getting paid every month from said transaction. The moment I sent in the application with my signature, PayPal took the eligible security and are making profit off of it while denying me access to my securities. This is Securities Fraud, violation of the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ). " Regulation B protects applicants from discrimination in any aspect of a credit transaction ''. Credit transactions and aspects of credit transactions include : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit and the Consumer Credit Protection Act.

Everything I have mentioned can be confirmed in the PayPal 10-K Form filed with the Securities and Exchange Commission file number XXXX, ( I.R.S. Employer Identification No. ) XXXX. For example, on pages 8, 24, 37 on the 10-K form talked about how PayPal generate revenue from the loan receivable from their customers. I have attached snippet of that filling for your reference.
Consumer complaint received 2024-04-29
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX XXXX : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (AR)

This is a follow up to complaint # XXXX against navy federal credit union . I sent Navy Federal another email on XX/XX/23 at XXXX as follows : I have attempted today to pay the remainder {$120.00} balance on card ending on account XXXX. I paid {$500.00} on this account on XX/XX/23 from the XXXX account ending in XXXX that is not reflecting on the account! Why in the world can I not pay the remainder balance! Why is this account greyed out?? My mother has nothing to do with what is going on. How can we pay bills if you all are purposely jeopardizing the account because you think I am a scammer?! My mother called navy fed and had the remainder balance extended out until the XXXX why can I not use the same account that was used to pay the {$500.00}??? 

Update XX/XX/23 My mother just called them again at XXXX and the representative has made a note in the system stating that it is in system that {$500.00} came out of the account ending in XXXX! My mother keeps stating that she has authorized me to use the card. I am DONE with Navy Federal and XXXX is my witness that I will not stop until I prosecute this credit union to the full extent of the law the same way they unjustly have tried to do me!
Consumer complaint received 2023-12-21
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: Chime Financial Inc (FL)

XXXX i placed and order with who u thought was XXXX for XXXX. The next morning I noticed the payment when to a company I never heard of.. I called Chime , Inc to report XXXX they told me I was not approved for a provisional credit and I should kane a resolution by XXXX 2024.. XXXX XXXX XXXX?? FOR A FRAULENT CHARGE... I've called numerous times to get no one that knew what they are talking about.. I mean again this is fraud and I can't get my money back.. I've found others that the same thing happened to them. Chime is Stating they are following regulation XXXX .... my dispute does not fall in that category.. I'm so at a loss.. I am a single woman I don't have the money to just throw away and it was an XXXX gift.. moving forward I will talk so bad About chime to anyone that will listen.. I have a XXXX disorder and if I end up in hospital over this ... CHIME GOING TO BE PAYING FOR A LOT MORE THAN MY DISPUTED CHARGE ....
Consumer complaint received 2023-11-15
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc (TX)

So I filed a dispute on a unauthorized charge on my credit builder side I have chime so I made the police report and chime put it bacjk in my credit builder but there saying its close now due to stuff made by identity theft Chime is telling me that I am not eligible for refund the transaction was XXXX something dollars with XXXX XXXX XXXX