davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 





Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-24
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX card, 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 2023-08-11
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)

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.

has violated my rights. Or 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 2023-10-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MortgagePros, LLC (GA)

I recently refinanced my home with Mortgage Pros, a XXXX  based loan orginator. I was allowed two months of time before I needed to pay again. That month is this XXXX. I have repeatedly contacted the loan officer for details but have been ignored by text, telephone and email. I fear a default or foreclosure in the future.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WV)

I opened a Chime account and received my card in the mail and activated. I deposited {$1000.00} into my account on XX/XX/XXXX, then 4 days later, my account was locked because the company stated that I did not provide the necessary documentation for verification of my identity. I have since then sent them the documents that were requested on XX/XX/XXXX. It has now been 5 days, and my account is still locked. They have my money but I can not access it.
Consumer complaint received 2023-06-28
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. (UT)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (TN)

I have been disputing my credit per the FCRA. I have submitted the correct paperwork showing I am a victim of identity theft. The paperwork is not being attached to my disputes and not being processed correctly per the FCRA. Also I have been asking for copies of the verification process and not getting anything. 

This is the account : XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I reviewed my credit report on   XXXX   XXXX   XXXX  , via  XXXX  and found a Capital One Credit card account on my   XXXX   and  XXXX  credit report, however I never applied for the card in question, which list the account status as " account relationship terminated '' Date opened    XX/XX/XXXX    ; amount {$560.00}, this account is listed as in " good standing '' and " paid as agreed, '' however I did not authorize this account to be opened up in my name, or listed as an authorized user, or cosigner. I have not received a response back currently from  Capital One.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.
Consumer complaint received 2022-12-10
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)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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
Consumer complaint received 2023-08-11
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 (FL)

I charged {$60.00} in XXXX. I had no balance at that time. I never got a bill or a call regarding due date or amount owed or past due status until I saw a late payment in the credit bureau site. I called Capital One to tell them I never received anything - no mail, no email, etc.They said I opted out of paper statements so it is on me to go to the website to pay. 
I reminded them that on THEIR site I had already set up " 5 day email notice on payments due ''. They confirmed they had my email address. They confirmed that none had come to me because the emails were getting " bounced back ''. When I asked what would cause that, they said to ask XXXX. I checked with XXXX and there were no blocks or any kind of restriction for anyone. I told Capital One that their email ads come thru, so why not their emails? Again I was told the fault was on my end. 
This {$60.00} charge was noe {$130.00} - which I paid just to stop the progression. I asked to have late fees credited and the credit bureau told it was a mistake- but they insisted it was my fault for not remembering to go online and check. 
There are NO other dings on my credit report than theirs, and I am angry about that. Thank you.
Consumer complaint received 2023-08-11
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. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-11
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. (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 15 USC 1681.

has violated my rights. Or 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 2022-11-25
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-11
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
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. (TN)

I have tried to resolve this issue with  XXXX  and Transunion.   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my Transunion and   XXXX   credit report for   XXXX   XXXX  . It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that Transunion and   XXXX   seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in the FCRA.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Local Management, LLC (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2022-10-22
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. (NY)

The credit bureau report a late payment on my credit to all bureaus on XX/XX/22. I have dispute multiple times and the credit bureau refuse to remove this late payment. but I did Make my payment on time I have my statement as proof that my payment was made, the credit bureaus refuse to remove my late payment and this is violation the credit law.
Consumer complaint received 2022-10-22
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. (PA)

Based On, 15 U.S. Code 1681c2 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 as soon as possible! 

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 reports ( 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.
Consumer complaint received 2023-08-11
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)

TRANSUNION continues to violate my federally protected right to ensure an accurate credit report per Dodd Frank Act, FCRA, California Consumer Protection laws, UDAAP, and United States Codes.

15 USC 1681e ( b ) which states that credit reporting agencies are to ensure an ACCURATE credit report. TRANSUNION prevented me from disputing inaccurate balances on the following 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 These accounts DO NOT include the correct dollar amount WITH the cents. TRANSUNION continues to negligently and recklessly report inaccurate account balances on my credit report. TRANSUNION refused to allow me to dispute these accounts online to ensure that these disputes were entered into the e-Oscar and metro2 systems. TRANSUNION has lowered my FICO credit score which has caused me damages by being denied credit that I may have otherwise qualified for had these inaccuracies not negatively impacted my FICO credit score. TRANSUNION continues to put me at risk of FURTHER exploitation and victimization by refusing to sufficiently investigating these inaccuracies on my credit report. TRANSUNION continues to send ARTIFICIAL INTELLIGENCE ( AI ) generated responses to my complaints and FAIL TO ADEQUATELY address and correct credit inaccuracies on my credit report AND in my credit file causing me damages and preventing me from obtaining sufficient credit approvals with potential credit offering companies which I need to gain access to an improved quality of life and livelihood. TRANSUNION 's has violated the Privacy Act of 1974, Regulation V, and the Trafficking Victims Protection Act ( TVPA ) by continuing to report inaccurate and nonmailable addresses on my credit report and credit file. TRANSUNION is also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the exclusions to the consumer credit report and states in part that transaction history and experiences are to be excluded from the consumer credit report which TRANSUNION continues to refuse to do. I sent TRANSUNION no less than FOUR ( 4 ) letters and called approximately FIVE ( 5 ) times to have the inaccurate and nonmailable addresses removed, yet TRANSUNION refuses to comply. TRANSUNION would not provide the specific documentation of federal law that allows them to continue to report these inaccuracies and the process TRANSUNION uses to justify their inaction. TRANSUNION refuses to produce such documentation. Thus, TRANSUNION negligently and recklessly persists in exposing me to further exploitation and harm by continuing in their practices in further violation of the Acts, laws, codes and regulations to protect consumers from these negative practices.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureau report a late payment on my credit to all bureaus on XX/XX/22. I have dispute multiple times and the credit bureau refuse to remove this late payment. but I did Make my payment on time I have my statement as proof that my payment was made, the credit bureaus refuse to remove my late payment and this is violation the credit law.