davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (IL)

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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX 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 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 2022-10-18
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. (IL)

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 XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX 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 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 2022-10-18
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. (TN)

I am having a problem with a credit reporting service known as XXXX XXXX. It seems they are showing inaccurate information. Upon viewing my Transunion report on XXXX XXXX, it shows that I have a missed payment. While your payment history starts at 100 % to represent you are in otherwise good standing, it has dropped to 85 % in just a matter of a couple of months. I have checked with my credit card companies to properly ensure that I have no missed payments and in fact my credit cards ( which there are only two currently ), are still fairly new. I am not sure if this a Transunion problem, or a XXXX XXXX problem being as that XXXX XXXX is supposed to receive its information directly from the credit bureaus otherwise known as Transunion. I have filed a direct dispute with XXXX XXXX and tried contacting Transunion about this problem, however Transunion can not tell me exactly what the issue seems to be. Currently I do not have any missed payments anywhere, however XXXX XXXX says I do which I feel is incorrect. It has also brought my score down significantly.
Consumer complaint received 2022-10-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX OF XXXX
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (TX)

My credit card was closed XX/XX/XXXX unbeknown to me. I just received a copy of my credit report and saw the account had been closed XX/XX/2023. I never received any notice that my account had been close. On my bill due XX/XX/2023 they charged an annual renewal fee of XXXX on my account they closed XX/XX/2023, they also started charging an account maintenance fee of XXXX maintenance fee. I have been charged XXXX on my XXXX, XXXX and XXXX statements. 

I contacted them and they told me my account had been close to frequent overlimit and activity, they approved the authorization 's. 

My credit report shows the my payment history was 97 %. 

I contacted them and they said the fees are charged because I still had an a active account. They account is was closed XX/XX/2023.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses and names for privacy and accuracy. 

Please delete all employers. They are no longer valid nor accurate.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Nationstar is in direct violation of the XXXX Guidelines and Massachusetts Statute XXXX, unfair and deceptive Practices Act. Nationstar refuses to accept a Quit-Claim-Deed duly recorded in the Massachusetts Registry of Deeds.Furthermore N-Star is in violation of the XXXX Guidelines requiring servircers to XXXX evaluate a borrower for XXXX prior to offering an in-house modification.N-Star has approved me for multiple in-house unsolicited, no documentation Trial Payment Plans that actually INCREASED my payment.I have never received and the servicers have never generated a HAMP Denial Letter which is in direct violation of XXXX guidelines The potential financial harm to me due to N-Stars blatant violations of XXXX Guidelines, is in excess of {$380000.00} over the life of the loan.
Consumer complaint received 2023-06-20
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)

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 XXXX XXXX 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 2023-08-10
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: Experian Information Solutions Inc. (MT)

From XXXX XXXX XXXX. In regards to Experian XXXX XXXX Bank Acct # XXXX .... I have messaged Experian Many times with no help. I have PROVIDED DOCUMENTATION THAT THEY HAVE NOT LOOKED AT. This documentation is a payment statement provided by XXXX XXXX BANK, Attached to this problem, IF Experian were to LOOK at the document they would SEE that the account number matches the account number on my Experian credit report, would match the amount of the loan, and the open date.. Does not match : is that it was not XXXX through bankruptcy. On the XXXX XXXX Bank 's ( OWN ) Payment Report history, included with this compliant, The statement will show that the loan from XXXX XXXX Bank was paid with no late payments and was PAID IN FULL - PAYOFF XX/XX/2019 {$1300.00} ALMOST XXXX  YEARS AFTER XXXX BANK SAID THIS LOAN WAS XXXX. I request Experian to explain this DISCREPANCY. I would ask that XXXX XXXX Bank who took the money for payment while the loan was being PAID and excepting the payoff XXXX  years LATER???????????? XXXX XXXX Bank who has verified the data on the Experian report as accurate???????????
Consumer complaint received 2022-10-18
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. (LA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-07
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. (FL)

I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-10-18
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)

On XX/XX/XXXX i sent a letter to Transunion and I have not heard anything back still. I sent to them proof of the inaccurate information reporting on my credit and how another bureau has already taken it off because it is inaccurate. The account name is XXXX and its 4 accounts that are reporting inaccurate that need to be deleted. These accounts reporting on my credit report are hurting me from purchasing a home and the fact that they are inaccurate makes it even worse. This is so stressful to deal with on top of everything else thats going on right now in our country.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (GA)

My name is XXXX XXXX i am taking action because i keep getting refused for bank accounts and other things i have been a victim of identity theft and every time i apply i get denied when in all reality XXXX XXXX XXXX  was just dischgarged and i should have nothing in the early warning system they keep telling companys false information and getting me denied
Consumer complaint received 2018-12-06
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. (ND)

On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, TransUnion, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Consumer complaint received 2024-03-10
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: Experian Information Solutions Inc. (FL)

After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2022-12-23
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: Resurgent Capital Services L.P. (SC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late f purpose.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On   XXXX   XXXX  , 2017 i recieved a charge to an annual fee for capital one. I contacted them and notified them i would n't be able to pay off the fee due to my college tuition being at $ 11,000+. I also made them aware that i have been with capital one for 2 years and that i have always held a responsible account ownership. This is in regards to my credit card ending in  XXXX . I mentioned to the customer service representative that i would consider closing the account if necessary.
Consumer complaint received 2023-08-10
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. (MD)

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 XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

On or about XXXX XXXX, 2022, Chime unilaterally closed my checking account without any prior notice or warning to me. 

I only learned of the closure when I tried to log in to my Chime account and saw a pop-up message that my account was closed and to contact Chime. I received no prior notice from Chime about the account closure. I also never received any communication from Chime that there was any issue with my account or that I need to verify/confirm anything. 

I had {$700.00} in the account when it was unilaterally closed by Chime. 

Upon learning of the closure, I immediately emailed Chime to confirm what happened ( the email is attached ). Chime responded that they could not tell me why my checking account was closed and that I am " not eligible for refund '' of my own money. Chime did not provide any reason and instead referred me to " review the section titled XXXX and XXXX in the Chime XXXX Account XXXX : https : //www.chime.com/policies/. '' The policy that Chime cites actually provides that Chime is to return any remaining balance in the account within 14 days of closure. Even without this clause in the agreement, I am confident it is illegal to withhold and not return customer 's money. 

I did not do anything wrong or illegal to justify the closure and withholding of my hard-earned money. Again, Chime did not ask me to provide any documents or verifications and did not alert me that there was something wrong with my account. 

Upon learning of the account closure, I searched online and saw that Chime has been in the news for closing accounts and refusing to return customer 's money, and I am among thousands of affected consumers. I also searched the CFPB database and saw that thousands of consumers filed complaints similar to mine. 

Chime violated my trust and I no longer want to have any business with this institution. I only want my hard-earned money back. 

I am asking you to kindly assist me in getting my money ( {$700.00} ) back I had in my checking account with Chime. I am also asking you to investigate Chime 's pattern of closing customers ' accounts and retaining customers ' money. 

Thank you.
Consumer complaint received 2022-10-18
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.