davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (LA)

XXXX XXXX XXXX XXXX XXXX. 
Last 4 of SSN XXXX XXXX XX/XX/XXXX XXXX XXXX allegedly opened XX/XX/XXXX Credit Bureau Names TransUnion and XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, incomplete inconsistent, noncompliant, and false information about me. I have sent in letters asking for validation and verification of the debt how the debt was verified and validate what supporting documentation was supplied to validate and verify the debt who verified and validate the debt and nothing was supplied by Transunion or XXXX WHICH VIOLATES 15 USC 1681 FCRA REQUIREMENTS. The following alleged account is listed as a collection with a PAST DUE BALANCE of XXXX balance owe XXXX as if XX/XX/XXXX with XXXX and Transunion past balance XXXX with a balance of XXXX Conns Appliances, ALLEGEDLY OPENED XX/XX/XXXX. This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair consistent, complete and accurate credit report, and you are required to remove any information that is not true, accurate, consistent complete compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an proper investigation on this account and the laws it violated.There is also false inaccurate, incomplete and Inconsistent payment history balances past due balances both account which is also in violation of 15 usc 1681 and Metro 2 compliance regulations have been updated by creditor XX/XX/XXXX please see supporting documentations
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, received a notice that said the dispute was investigated and was found accurate. When I looked at the credit report the item was still inaccurate. The dispute resolution said that it was found accurate. However, this is not true. 

SUMMARY : I disputed the The XXXX XXXX XXXXXXXX account on XX/XX/XXXX because it was inaccurate. On my credit report it showed {$290.00} as a profit, loss, writeoff. But the balance should be XXXX and status should be included in bankruptcy that was filed XX/XX/XXXX. I was told that it would be investigated however, I received a quick response from credit bureau on XX/XX/XXXX, saying that they found it to be accurate. 

I contacted XXXX XXXX XXXX with the number listed, XXXX on credit report, and received the number has been disconnected. So I'm not sure how the credit bureaus validated or verified accuracy. 

I called Trans Union on XX/XX/XXXX to ask for verification and documents of how it was verified they couldn't provide me with that. Instead they said they can redispute it. That option didn't satisfy me because I have to wait 30 days till inaccuracies are cleared up from my credit report. This is affecting my credit more so, because the account is not listed in a bankruptcy that already had dropped my score.
Consumer complaint received 2024-03-03
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)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MT)

Hello, In XX/XX/XXXX I received an XXXX XXXX XXXX. 
In XX/XX/XXXX I did not receive an XXXX XXXX XXXX. 
In XX/XX/XXXX I received an XXXX XXXX XXXX. 

On the XX/XX/XXXX XXXX XXXX, it showed that there was an overage of XXXX. The letter said I was going to receive a check for the overage. 

After several months and a couple of calls US Bank said they would look into it. Never received a letter of explanation or check for the overage. 

I forgot about it and assumed it was still in XXXX. 

On the XX/XX/XXXX Escrow Statement, ( I did not receive a Statement for XX/XX/XXXX ), and thru email I received a video that I owed XXXX for a shortage in Escrow. 

I called US Bank and talked to XXXX ID XXXX, XXXX ID XXXX, and XXXX ID XXXX in customer service, then also to a XXXX in the XXXX Department who said we don't give out ID numbers. All of them repeated what the letter XXXX said, and I asked to talk to the tax department to see if they paid the property tax. 

When I talked to XXXX ID XXXX after I found the XX/XX/XXXX statement and she looked it up to verify that it said I had the XXXX in Escrow and that I never got a check, she then escalated to some department and said she will call me back on the XXXX of XXXX. I ask to see if they would mail me something and she said no, it has to be handled over the phone. 

None of the promises to call back have occurred. It is now XX/XX/XXXX and the countdown to change and charge me an additional XXXX happens in XXXX.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I am writing in response to a phone call on XX/XX/2018 because I do not believe I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : ( 1 ) the alleged amount of the debt ; ( 2 ) the name of the creditor to whom the alleged debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Florida Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this alleged debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the alleged debt or a copy of the judgment against me and mail these items to me at your expense ; You can not add interest or fees except those allowed by the original contract or state law.

you do not have to respond to this dispute but if you do, any attempt to collect this alleged debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this alleged debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this alleged debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Consumer complaint received 2024-03-03
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. (NJ)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concering the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX, XXXX, XXXX. 
They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6/BXi ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to apply for XXXX XXXX Credit Card on their startup program on XX/XX/2022. They said it would be soft credit check as advertised on their site. My call went to a different department where they took my application and did a hard credit check. Multiple XXXX agents confirmed that they would get my hard credit check removed in 90 days. 

It is still post 90 days and the hard credit inquiry on all three credit bureau still persists. XXXX other department approved my application but I didn't want that card and I wanted card under startup program so I declined the card and asked them to ensure that there is no hard inquiry on my file. 

Application Ref : XXXX When I called Credit Bureaus they said that XXXX has to remove these hard inquiry else it will stay there for 24 months. 

I have audio recordings with XXXX agents that confirm that they made a mistake in hard inquiry and it will be removed.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (FL)

Early Warning Services is a fraudulent information bureau that violates the Privacy Act of 1974 as well as many other laws. 

They hold information on consumers without them even knowing it or without getting their consent. Early warning services very existence is illegal and they need to be shut down. 

This is my second complaint because all they did was give me the runaround from my first complaint. I was told that if I sent my drivers license and social security card over Early Warning ServiceXXXX would send me my report. 

They did not do any such a thing. They sent me some generic response saying I should dispute anything that isn't accurate, but like 90 % of the people they hold illegal information on have no idea what is on the early warning services report. 

What is the CFPB even for if you do nothing after these filing? 

You don't even check the violations to see if the company tried to correct anything. This whole thing is a scam including this process. You got ta pretty much beg multiple times to get big business in America to stop doing unlawful and illegal things. 

Early Warning services is build on unlawful operations and needs to be shut down. How can all these bureaus exist affecting the lives of American who don't even know they exist.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I was reviewing my bank statements for the year and noticed unusually high XXXX transactions. So I started to dig and found four transactions made to an XXXX XXXX account that I did not authorize. I immediately called chase and disputed as they were not mine. They initially denied my claim because I did not include two other transactions. Ridiculous because I did not notice that there were more transactions. 

I then tried to re-open the claim by submitting all my payments made to my XXXX XXXX XXXX card. Unfortunately, they denied it once again. 

I had to do the investigation myself. I called XXXX XXXX and gave them the transaction dates/reference numbers/ amounts. XXXX XXXX confirmed that another person had my account number on their amex and was using it. Simple fraud, another person used my bank account to pay their XXXX, but my bank does not want to cover it. 

My bank is CHASE These are the transactions in question XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
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. (CA)

This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 2023-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (SC)

On XXXX XXXX I was approved for an apartment in XXXX The pictures of the apartment listed on the internet were not the same as the unit that Id signed for. I drove from XXXX to XXXX XXXX and signed the lease upon arrival XXXX XXXX. I paid for first months rent and deposit as well as an additional month of rent. I wanted to pay the rent up so I could just be ahead of things. I didnt expect that once I got to my unit, it would be infested with roaches, dirty and not what was advertised! That night as I unpacked to shower, my friend at the time and I ( my toddler was with me as well ) were attacked by a male that was on bad drugs.. we slept inside of my rental that night up until XXXX I waited for the rental office to open up to let them know I wouldnt be staying there and to grab my refund. After speaking to the property manager XXXX XXXX, she finally agreed to refund me. She said that she would mail me my refund but I didnt have a place to stay at the moment so I had to wait until I arrived back to XXXX to have it sent to my friends residence. The check was initially supposed to be {$2700.00}. 

I received a letter in the mail from XXXX with the incorrect refund amount listed as what was owed. It was basically written document to show what she would pay to me. I emailed her again to get the update on where my money was at because she instructed me that it would be expedited overnight! That was a lie. This was XX/XX/XXXX XXXX. XX/XX/XXXX she responded with a message saying it was issued on the XXXX XXXX. Check # XXXX Amount {$2700.00} I never received this check! I never deposited this check with chime. I never cashed this check. CHIME is where I handled all of my money. 

On XXXX XXXX Chime sent me an email saying that the provisional credit would be taken from me. This led my account to be in the negatives to where I couldnt pay my car note, I couldnt feed myself nor my daughter. My car is repoed! Ive emailed them since this date with proof of me moving out on the XXXX XXXX  XXXX and the emails between me and XXXX XXXX concerning my refund! I keep getting an email stating it takes 30 days to reinvestigate the matter. Its been over 30 days still no update and my money was stolen from me! I feel this is inhumane and unethical. Thats literally my hard earned money. 

As I open the chime app, theres not an active investigation going on either to check the disputes or reopened disputes.. but yet Ive received numerous emails saying that my case will be forwarded to the dispute team XXXX. 

I am extremely frustrated because I literally dont have a car anymore due to this discrepancy. Thats my money and the dragging feet to resolve it is frustrating. This con artist was able to take my money and I dont like how chime has handled it. This is not the first time my money has been snatched from me due to CHIMEs way of doing business.. I am now speaking up because almost {$3000.00} in the negatives is INSANE! When that is my MONEY.
Consumer complaint received 2020-12-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phillips & Cohen Associates, Ltd. (FL)

I received a letter in the mail from a new Collection agency called Phillips and Cohen Associates. I previously sent in a complaint against XXXX XXXX who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.