davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Fl TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified several items that are erroneous and require your immediate attention. The discrepancies are detailed below : XXXX XXXX XXXX XXXX XXXX I request that TransUnion investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 

[ Item 1 ] : [ Description of the inaccuracy, such as incorrect account balance, wrong account status, dates, etc. ] I request that TransUnion investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any documents you are enclosing, such as receipts, statements, or correspondence with creditors ]. 

Please conduct a thorough investigation into these matters and provide me with a written explanation of the results. Additionally, I request that you notify me of any changes made to my credit report as a result of your investigation. 

I understand that you have 30 days from the date of receipt of this letter to complete your investigation, as mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. Should you require any further information, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-04
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. (NY)

XXXX XXXX sold a debt to XXXX XXXX and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always came back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the CRA must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to XXXX XXXX to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many time this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX
Consumer complaint received 2022-11-22
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. (WI)

On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXX, XXXX XXXX XXXX of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my XXXX XXXX account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both TransUnion and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the Better Business Bureau as well. I spoke with XXXX XXXX XXXX on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call XXXX credit Bureau to close this account that is currently open..stating they dont report to XXXX credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well
Consumer complaint received 2022-11-26
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. (GA)

I do not have any CONTRACT or Ties to These Companies reporting on my credit profile or The alleged DEBT that they are reporting to my credit profile. I've sent disputes after disputes to all credit. Reporting agencies as well. I hope you can understand this is violation of my rights according to the F.C.R.A 15 u.s.c 6802 15 u.s.c. 1611 15 u.s.c 1601-1602 15 u.s.c 1605 15 u.s.c 1681 15 u.s.c 1692 ( c ) ( e ) 8
Consumer complaint received 2023-02-07
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: ALLIANT CREDIT UNION (VA)

This written communication consitutes XXXX and due process notice of the compromising of my credit card as defined under 15 USC 1602 ( l ) a/k/a social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint, my local police which both are attached herewith. Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of Following : XXXX XXXX XXXX, Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XXXX/XXXX/XXXX I sent a letter to Experian requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.
Consumer complaint received 2018-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

My payments have been applied incorrectly the past few months. I pay my loans bi-weekly, to the same account #, with instructions that over-payments should be applied to principal. My master account # with Navient encompasses both of my private student loans ( they have separate account # 's ). My bank bill pay sends the payment to my master account, and in the past, they split my payment across the private student loans. The last few payments they've ceased to do so, and only applied it to one account. How they decide which account its applied to is beyond me. I have to call 3-4 times, and speak to several supervisors for them to discover the error, and correct. Each time i call in, i'm told there was something else afoot that caused the errors. The next month comes, and I spend hours with them on the phone again. This happened on XX/XX/XXXX, XX/XX/XXXX and again on XXXX.
Consumer complaint received 2023-01-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Law Office of Michael J. Scott, PC (SC)

Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company. 

VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL. 
These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. 
Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY
Consumer complaint received 2024-03-26
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. (TX)

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 XXXX USC 1681.

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 2023-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I am filing this complaint because Citibank failed to deposit a {$700.00} Cash Bonus into my account which I qualified for within 90 days from the end of the month in which I completed all the promotional offer requirements : 1/ New Business checking account ( streamlined ) was opened on XX/XX/XXXX after completing the required documents with XXXX, Citi Vice President/Business Account Manager at a local Citibank branch.

2/ Met the {$25000.00} qualifying balance level during the initial 30 calendar day funding period on XX/XX/XXXX with " XXXX '' funds deposits. 
3/ Consecutively maintained that balance until XX/XX/XXXX, exceeding the 60-day maintenance period requirement ending on XX/XX/XXXX. 
I have contacted Citi small business support to inquire about the Bonus, issue was escalated under Claim XXXX XXXX XXXX XXXX on XX/XX/XXXX, and was asked to wait 5 business days to get a response. Did not hear back from support so I called again on XX/XX/XXXX and was informed by A ... ... .that a " code '' was needed. I told the Rep that a code wasn't required as it was not stipulated in the offer XXXX & XXXX. Rep instructed me to contact my local Branch Manager T ... P ... which I did, but that e-mail remains unanswered. 
I have once again reviewed all the documents including the business account application and there is absolutely nothing supporting the Citibank representative 's claim that a promo code was required to get the Bonus such as : " Bonus code is XYZ '', " Activate bonus code XYZ '', " Must provide bonus offer code XYZ to a banker '',... 
Not sure if I'm dealing with incompetence or if Citibank engages in deceptive practices but the issue hasn't been resolved and thought it was time for me to file a formal complaint with CFPB. 
I have included the promotional offer XXXX & XXXX that was attached ( XXXX XXXX XXXX ) in one of the e-mails sent to me by the Business Account Manager on XX/XX/XXXX.
Consumer complaint received 2022-11-13
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: Experian Information Solutions Inc. (TX)

It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reinvestigated my credit report, I realized that one specific account was erroneous. It is not acceptable to treat this reporting account as unconfirmed information without producing proof, please investigate the unverifiable account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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. (PA)

I sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 XXXX not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt
Consumer complaint received 2023-01-08
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: EQUIFAX, 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. 
XXXX XXXXXXXX Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights DEPT OF ED/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 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 2023-02-07
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 (NC)

I recently checked my credit report and saw that on XX/XX/2022 a company called " XXXX XXXX  ( located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) ran my credit. I did not authorize this inquiry. This inquiry has lowered my XXXX XXXX and I fear that my identity has been stolen.
Consumer complaint received 2023-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Hello, XXXX XXXX, my complaint is that the PayPal account can not be linked to the bank and the withdrawal balance. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help me, thank you
Consumer complaint received 2023-01-08
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: AMERICAN EXPRESS COMPANY (CA)

I have tried reporting these account that doesnt belong to me but its on all my XXXX credit burea. I only have XXXX XXXX limit at {$500.00}, XXXX XXXX  ( Closed ), and XXXX XXXX at {$6200.00} everything else is incorrect. 
XX/XX/2022 AMex {$9400.00} XX/XX/2022 XXXX XXXX  {$120.00} XX/XX/2022 XXXX XXXX XXXX {$470.00} XX/XX/2022 XXXX {$1000.00} XX/XX/2022 XXXX {$150.00} XX/XX/2022 XXXXXXXX XXXX {$320.00} XX/XX/2022 XXXX XXXX XXXX {$520.00} XX/XX/2022 XXXX XXXX {$400.00} XX/XX/2022 XXXX XXXX {$1000.00}
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (UT)

In XXXX of 2022 I had my direct deposit going to my Chime account. I received my direct deposit as usual. Around the beginning of XXXX I noticed there were around {$600.00} if fraudulent transactions. I immediately contacted Chime, reported those fraudulent transactions. 
I called back over three weeks. Then around XXXX I went to check the status and the fraudulent transactions and a recording I received said my account was close. I tried to contact them but my debit card was inactive so I couldn't get through.I looked every where for a different number. About 2 weeks later I received a letter from Chime stating that I broke one of their policies and sent me. a check for {$0.00}. I could not find another number for chime and they didntt even honor those fraudulent transactions. I think Chime is a scam network.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

XXXX  bought in  XXXX  an Identity Theft debt from Barclays Bank which was disputed in   XXXX  , Barclays had already removed it from CRA and then started to report it again. I have disputed the account through  XXXX  but they have not yet mailed me the requested documents.  Barclays say s the account belongs to  XXXX , I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CT)

Westlake Financial has fraudulently taken $ 5,000+ plus from me. 

I requested a wet signature binding myself and Westlake Financial in a contract 15 U.S.Code 1692j 15 U.S.Code 1640 ( a ) DOUBLE THE FINANCE CHARGE for each violation 15 U.S. Code 1635 ( b ) not liable for any finance or other charge, and any security interest, return to the obligor any money or property given as earnest money, downpayment, any property to the obligor, the obligor may retain possession of it,