davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (TX)

On XX/XX/23 I sent a dispute letter to Experian regarding an account on my credit report by the name of XXXX XXXX. I informed Experian that they were reporting inaccurate information because I have never been late on this account. XXXX and XXXX are not reporting any late payments, so I am confused as to why Experian is furnishing this incorrect information. I have already asked your company to validate the inaccurate reported late payments and you have failed to do so in over 60 days which is a violation of the FCRA and negligence. Please see the attached dispute letter and remove the aforementioned account and unauthorized inquiries from my credit report immediately.
Consumer complaint received 2017-05-03
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. (GA)

I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  2 judgeme nts which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX ,  transunion, and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!
Consumer complaint received 2023-11-06
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)

PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRES FROM MY PROFILE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00}
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TN)

I tried to find out what the payoff was the said it was a fee involved which was not disclosed by freedom financial. They would not accept the certified check for the payoff and are going to charge me a late fee because they did not accept the certified check I just wanted to pay for my house. I sent them a check for  XXXX  on    XXXX   XXXX   XXXX    and was told it was not acceptable on   XXXX   XXXX   XXXX    and was refused to be allowed to talk to a supervisor.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. 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 report ( 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 deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XXXX XXXX there was a small unauthorized transaction of {$11.00}. I contacted chime and was able to receive help from a kind representative after a few attempts. She issued me a new card through the mail which would take 7-10 business days. She then issued me a temporary digital card to make any necessary payments and filed a dispute ( case ID XXXX ). I spent {$110.00} on a website of my liking that same day. Later on that day following the next XXXX, there were four unauthorized transactions still being made. I didnt have my XXXX card yet. I couldnt file a dispute just yet because the status was pending. I was then able to file a dispute rebuttal. My account was being used up until XX/XX/2023. An agent was able to review my dispute report with me and we concluded an amount error of {$810.00}. The agent CORRECTED the amount for me to {$700.00} and gave me a new case number ( case ID XXXX ) and left a medical note on my case. The {$110.00} was taken off my report. She saw that the merchants had to CREDIT my account previously and, said that my name & account shouldnt be in their system in the first place. I am unable to file a proper police report. Less than XXXX hours, chime denied my corrected rebuttal and sent a document with an ERROR. It says {$810.00} which is incorrect. I was unable to get to work and travel to/from the hospital that my family is still in because of this error. Please fix this and return my stolen funds.
Consumer complaint received 2023-10-30
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. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-30
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. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2018-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CASHCALL, INC. (GU)

The complaint is about a Servicemembers Civil Relief Act ( SCRA ) violation conducted by Cashcall Inc. 
CashCall Inc is refusing to abide by 50 USC Ch. 50 Section 3937 SERVICEMEMBERS CIVIL RELIEF ACT. 
Cashcall Inc has knowingly violated this law with regards to a personal loan, which started in XX/XX/XXXX for {$10000.00} with an interest rate of 39 % for a term of 120 months. I entered XXXX XXXX service with the XXXX XXXX in XX/XX/XXXX. 
I have not left XXXX XXXX service since I joined. I got married and I was able to pay off the loan in XX/XX/XXXX. I have recently ( within the past year ) became aware of the SCRA and its benefits, specifically the limit of 6 percent interest on pre-service debt and I began to notify past creditors and received major reimbursements from the credit card companies. 
But not Cashcall. 
I sent an email with my orders attached to Cashcall to inform them of my service on XX/XX/XXXX. The customer service email address that I sent the SCRA request to responded to me thanking me for my correspondence and that my case was under review. 
I tried to contact them thru XXXX XXXX for updates and was told on XX/XX/XXXX that this was escalated to management and they would send a response to the email address the request came from. I did not get that email response. 
I had to call them the next month and I spoke to a representative that is a manager in  the employee development section that tried to settle the case for only the two years that I was XXXX for in XXXX, ( XXXX ) a sum around {$2000.00}. They claimed that this was fair and that I was lucky to get this much from them. I had to explain to them that the statue of limitations does not apply to this case due to the fact that I am STILL on XXXX XXXX. 
With the interest rate change from 39 percent to 6 percent, times the monthly payment from XX/XX/XXXX to XX/XX/XXXX adds up to {$15000.00}. I declined the settlement. 
I then contacted a XXXX XXXX XXXX and she sent an email to the same customer service email that had replied to my previous request requesting that they follow the law and repay the outstanding funds. It has been ignored. I sent their XXXX XXXX a reminder about that email, once on XX/XX/XXXXand again onXX/XX/XXXXand only in XXXX after I told them I was filing a complaint with the CFPB was sent a letter asking to be given the contact info for my attorney. Info Im sure they had already from the previous emails that were sent to them. In fact, the threat of me contacting this Bureau seemed to be the wake up call they needed. 
Cashcall has been given all the information they need to complete their obligation under the law. I will not settle for any less than was is owed under the law.
Consumer complaint received 2024-03-29
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. (MI)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2023-12-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC (CA)

I contacted the debt collection agency that was given my debt for a pay day loan. XXXX the lady was not able to pull up my account due to having a new number, I gave her my number and full name and I gave her my address she asked for my last XXXX of my social I explained I do not feel comfortable due to being scammed and I gave her other information that can be used to find my account. She then repeated my name address I said yes and I then gave her my number associated with my old account, she repeated the last XXXX of my social I stated if that's in your system then ok but you just verified my information and I'm consenting to everything but my social. She refused to give me my account information I then requested to speak to a manager she then proceeds to hang up on me.
Consumer complaint received 2023-08-31
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: ALLY FINANCIAL INC. (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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately ( attached in doc ) Also, please add a promotional suppression to my credit file.
Consumer complaint received 2023-11-30
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX XXXX XXXX. This account has reached its statutes of limitations because it is over XXXX years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies Experian, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Consumer complaint received 2023-07-28
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. (MI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Consumer complaint received 2024-04-19
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. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-12
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. (MO)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
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. (AZ)

Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX REGARDING : Dispute of Unauthorized Charges That Were Not Made on My Physical Card With XXXX XXXX XXXX XXXXXXXX XXXX Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the XXXX XXXX  via telephone after I was notified by XXXX XXXX XXXXhat there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling XXXX customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from XXXX phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. XXXX XXXX now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX
Consumer complaint received 2024-03-29
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. (GA)

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 Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number: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 2023-12-07
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-29
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. (CA)

To whom it may concern, I am writing to file a formal complaint against Experian regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, Experian has failed to take appropriate action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that Experian follows the necessary procedures outlined in the FDCPA to rectify this issue promptly. 

I have provided all necessary documentation and evidence to support my claim of identity theft, yet Experian has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against XXXX for their failure to comply with the FDCPA. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRINITY HOPE ASSOCIATES (NC)

I was called by trinity hope association in XXXX NC and threatened if I didnt pay that it would go to the attorneys and that I will be sued. Also have no idea if this call was a scam or not. Please help