davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
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. (NJ)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am submitting this CFPB Complaint to let you know that upon obtaining a copy of my updated Credit Report, you have failed to comply with my previous request and you continued reporting the disputed items as if they have been verified. I requested that you remove the disputed accounts and information that resulted due to my identity being stolen in accordance with the Fair Credit Reportin Act section 605b. However, I see here that you are still repoting the disputed accounts like they were accurate and yet you have not sent me any documents to support your claims. Please comply with the Federal law and have the disputed items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe that the disputed items belong to me, I request you to please send me any documents you found proving that the disputed items are legally mine. If you fail to provide these documents within the time allowed by law, I expect immediate deletion of the disputed items.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

I hope this message finds you well. I am writing to seek your legal advice regarding a serious issue that I have encountered with my bank account. Recently, I discovered that my account has been scammed and fraudulent activity has taken place without my authorization. I have reached out to the bank representative of Chime Stride to resolve this matter, but I have not received satisfactory assistance from them. Therefore, I am seeking your help to take legal action against the bank and the culprits who have stolen my funds. 

I was disappointed to see that my ticket was closed without proper investigation and my claim for financial aid was unfairly denied. I did not authorize any of the transactions that took place, and it has only been two weeks since the incident occurred. This was my entire financial aid for school, and its loss has put me in a state of hardship. Upon reviewing my account statements, I noticed over 600 transactions that I did not authorize. This happened over two days, with {$1000.00} being stolen on XX/XX/XXXX, and {$4600.00} taken out of my account on XX/XX/XXXX. I live in XXXX, Louisiana, and visited the XXXX, Texas area over that weekend. I did not make any cash app transactions to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, nor have I been to Florida or California. 

I don't understand how my dispute could be denied for my financial aid, especially when my account was credited for the first day of {$1000.00}. I have been with Chime since XXXX and trusted my financial aid to come to Chime, but it was completely depleted from my account by the same culprits who took the money on XX/XX/XXXX. I am willing to take a loss of {$1700.00}, but a total loss of {$4600.00} is too much. I go to school full-time and depend on those funds. I urge you to take a closer look into this matter and fight for my rights. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-13
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: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. Cap One - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-02-21
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. (NC)

I specifically demanded that Equifax explain what was their method of verification which is law under my consumer rights. I went into detail as well as included the laws as well as there definitions in both the letters that I sent to Equifax as well as below. Equifax not only failed to give me a proper response or update but they also responded to my CFPB complaint with a statement that had nothing to do with what I was requesting. Below you will find a detailed breakdown of my struggles with Equifax : On XX/XX/XXXX I sent Equifax a certified letter in which it showed it was received on the 12th outlining how Equifax violated my rights as a consumer under 15 USC 1681. On top of violating my rights Equifax also failed to respond within 30 days. I am just now receiving an update and response to my letter on XX/XX/XXXX. The subsections Equifax violated are as follows : 15 USC 1681- ( a ) ( 1 ) 15 USC 1681- ( a ) ( 2 ) 15 USC 1681-a ( 3 ) 15 USC 1681-a ( 4 ) 15 USC 1681b.2 This situation has been very frustrating and the reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes
Consumer complaint received 2024-04-09
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( XXXX ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : Address, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX LA XXXX XXXX CA XXXX : Account number : Address, -. This address is not correct. Delete it immediately from my report. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-04-09
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. (PA)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit record. Could you kindly review the paperwork? Several of the cited entries are flawed in terms of reporting, with inaccurate amounts and dates.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My mortgage is financed by Freedom Mortgage. In XX/XX/XXXX, Freedom Mortgage paid two ( 2 ) mortgage insurance policies for XXXX out of my escrow account. One of these policies had already been cancelled and billed by mistake. Freedom Mortgage still paid it without notifying me or questioning the fact that they were billed by two different insurance companies. When I asked them about it, they said if they receive any bill from an insurance company with my property address and loan number, they will pay the bill. This created a shortage in my escrow account. In XX/XX/XXXX, Freedom Mortgage performed an escrow analysis on my account and raised my payment to make up for the shortage. This was reflected on the XX/XX/XXXX statement. When I saw this, I called and investigated the reason for the increase. I had to contact the cancelled insurance company and have them refund me the money. I was advised to do this by Freedom Mortgage and was told once the money was back in the escrow account, they would do another escrow analysis and correct their mistake and back date it to the increase. I finally received the money from the insurance company in XX/XX/XXXX and transferred that amount to the escrow account. Now, Freedom Mortgage will not back date the reduction in payment to the increase caused by their mistake. I also requested that Freedom Mortgage no longer pay my mortgage insurance from my escrow account as I do not feel there is any oversight on how they handle my money. This was denied by them in XX/XX/XXXX. Freedom Mortgage mishandled the funds in my escrow account and will not back date the corrected escrow allotment to the date of the increase, created by their mistake, as they told me they would.
Consumer complaint received 2023-11-06
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. (NY)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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
Consumer complaint received 2023-04-21
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. (CT)

Im accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  has violated my right to privacy.

15USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-16
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: SYNCHRONY FINANCIAL (LA)

XXXX has been furnishing an inaccurate account on my credit file for over 2 years.. I have called, complained, disputed, faxed documents, and even contacted the furnishing company ( whom mailed them a letter, stating that account is not mines ).. They still havent removed it yet.. the account is a hard inquiry that reads : SYNCBXXXX iDemand this inaccurate information be removed without prejudice expeditiously..
Consumer complaint received 2023-09-30
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. (AZ)

Please investigate and remove this fraudulent inquiries. From XXXX XXXX XXXX. I have not applied for anything because I'm in a home buying process. XXXX immediately as it can affect my home purchase. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-09
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. (NJ)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX. Agreed to delete their credit line off of my credit report. Since then they have deleted it from XXXX and XXXX, TransUnion is still showing this report. ive mailed certified dispute letters to XXXX XXXX XXXX XXXX, and since I have received a certified letter from their lawyers, stating that they will delete this tradline from all credit report agencies. I have sent a certified letter to TransUnion and disputed this already.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX has failed to resolve the investigation, I have requested debt validation and they have not provided yet they responded to the compliant I placed in this portal as unable to resolve so since they are usable to resolve or investigate, I demand that they remove their information from my credit file as this doesn't to belong to me!!