davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (LA)

If you look at my first complaint that was closed and nothing resolved on my XXXX XXXX report its saying that it have XXXX $ in debt with Chime but I dont owe them a XXXX XXXX it was my money they would hold off my account and they would automatically pay my chime credit card bill well something happened and they reported to my XXXX XXXXXXXX report that Im allmost XXXX $ in debt with chime and it lowered my credit allmost XXXX points and now its still on my report I want it off there Ive been battling this for months they have ruined my credit and I owe them nothing I can XXXX  a screen shot of my XXXX XXXX XXXX XXXX report where that XXXX XXXX of debt to chime is on there I have all the proof I want it fixed they are completely at fault it needs to be fixed the next step is a law suit and it shouldnt have to come to that but they are fault I just want a real person from chime to see my screen shot of my XXXX XXXX report and they will see that they have made a big mistake
Consumer complaint received 2020-03-30
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. (AZ)

XXXX/XXXX  is reporting incorrectly to XXXX  ; XXXX  and Transunion a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.
Consumer complaint received 2023-10-08
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: EQUIFAX, INC. (DE)

I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-03-30
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. (TX)

I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( Experian, XXXX  and XXXX  ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX I purchased 3 tickets utilizing my Goldman Sachs Apple Card ( attached ). The event was scheduled for XX/XX/XXXX in XXXX VA. Upon arrival to the venue I noticed that my view was obstructed. I immediately contacted XXXX XXXX to advise that my view was obstructed. XXXX XXXX notified me that no refund is given after the event starts ( attached ). Although their policy ( attached ) states the if a view is obstructed it will be noted on the tickets ( attached ). I initiated a dispute with Goldman Sachs on XXXX XXXX, my dispute was denied. I then initiated a 2nd dispute in XXXX that was also denied. XXXX XXXX did not provide the service that I paid for, which were tickets with an unobstructed view.
Consumer complaint received 2023-10-08
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. (DE)

I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have three allegedly open collections accounts on my Experian credit report from XXXX. XXXX, XXXX that I disputed years ago with XXXX and XXXX   that I have been trying to remove from my Experian report. I disputed these accounts with XXXX  and XXXX  that fell off due to not being able to validate the debt. Experian is not letting me dispute these accounts again when I do not know what these accounts are for. I do not remember incurring these charges with the original creditors. I also have an outstanding collection from XXXX XXXX, another I do not know what it is for, on Experian, which has been successfully removed by XXXX  and XXXX  for failure to validate the debt. I would like these taken off my Experian report as they have been deemed invalid by two other bureaus.
Consumer complaint received 2024-05-29
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: 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. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX. Account XXXX : XXXX.
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me. 

In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership.

In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system. 

Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine. 

I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (SC)

Since my income has been reduced to half of what I was earning, my only option was to file for bankruptcy. I spoke to the local store. They refused to talk to me about it. They referred me to the corporate office. I spoke to the bankruptcy department and gave them my attorneys information. 
The bankruptcy department canceled the repossession, but my car was still taken that same day.
Consumer complaint received 2021-04-26
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: LCS FINANCIAL SERVICES CORPORATION (WI)

My credit score went down by 50 points on XX/XX/XXXX because of credit inquiry from some LCS FINANCIAL service. Never talked to heard of or dealt with anything with this company.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (NM)

Initially i contacted them regarding being listed as a NY resident ( I am not ) and being subjected to NY XXXX regulations. It was the second time this has occurred, during their efforts to resolve this my account has been frozen resulting in my employer not being able to process my direct deposit. this has resulted in serious consternation with my employer. Juno ( evolve bank and trust ) is difficult to contact, slow, vague, and impersonal in responses.
Consumer complaint received 2023-10-10
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2023-07-03
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)

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 these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 them immediately in my report : 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 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 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (FL)

In accordance with the fair credit reporting act, this creditor, Sallie Mae ACCT # XXXX Sallie Mae ACCT # XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-10
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance {$150000.00}
Consumer complaint received 2023-10-10
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. (AZ)

I'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}
Consumer complaint received 2023-10-10
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. (AZ)

I'm XXXX XXXX XXXX XXXX  and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}
Consumer complaint received 2023-10-08
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. (MA)

I am writing to bring to your attention a matter of concern regarding incorrect information on my credit report held by Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following inaccuracies in my credit report. To date, I have not received any response from them. I am providing the details of the inaccuracies and the necessary corrections required : The account with the following details was never late : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please correct/update this inaccurate information on my credit report. 

The account with the following details was never late : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Please correct/update this inaccurate information on my credit report. 

The account with the following details is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The account with the following details is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Original Creditor : COLLECTION Please remove it from my credit report.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally register a complaint regarding the persistent and unresolved issues with fraudulent items that continue to appear in my credit file. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of XXXX XXXX ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items in my credit file. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit file. 

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit file. 

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter.I am asking for your immediate assistance to remove the following fraud items in my credit report : 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 2023-10-10
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)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.