davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-28
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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.
Consumer complaint received 2022-11-21
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. (SC)

The Experian credit reporting agency is refusing to remove XXXX XXXX XXXX redacted* from my credit file. Please be advised this account was removed XX/XX/XXXX and added back with absolutely no supporting documents or proof from Experian. 

With extensive research. I have attached proof the account was removed, added back and the open dates are changed. Upon adding an account back to a consumers profile. Proof of an actual debt must be provided in support of a claim of an actual debt being owed to the alleged creditor. The Experian credit reporting agency and XXXX are not honorable companies. 

The Experian credit reporting agency stated they will not respond to anymore of my disputes unless I provide relevant information. Apparently, the truth is not enough! 

The credit report Date generated : XX/XX/XXXX ; the open date was XX/XX/XXXX. On XX/XX/XXXX the open date is now XX/XX/XXXX. This is proof of inaccurate reporting. The Experian credit reporting agency chooses to ignore this and XXXX chose to provide copies of alleged charges with questionable ip address history. 

I requested the contract between myself and XXXX in the form of validation notices. The contract actually signed by me to allow XXXX to report to my credit files which allows The Experian credit reporting agency to update my credit file. 

I should not have to fight for a good credit score or to be treated with respect, this is outrageous! I am to be protected! A complaint with the CFPB is necessary at this point. This is the only negative account on my credit file, it is not reporting to any other major bureau nor XXXX. ( see attachments ) Provide exactly how this account was validated as belonging to me. 

I have researched how The Experian credit reporting agency uses a standard letter to respond to complaints via this portal. Please take into consideration I would like an authorized representative to reply as I have a right to understand whats really going on with this particular account and Experian. XXXX generated auto reply messages will not be accepted.
Consumer complaint received 2023-06-28
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. (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 2021-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX opened XX/XX/2020 is unrecognizable to me. I have never done business with either XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NY)

I filed a dispute with chime for hotel stay, at XXXX XXXX XXXX, the hotel was misleading and over charged, the hotel was bathroom was inoperable, XXXX continued to come up from the toilet when flushed and the hotel room smelled like XXXX and XXXX, I talked to the hotel XXXX and was not given a new room or any relief, I sent chime bank pictures of the toilet with the XXXX coming up and the toilet not being able to flush, I spent {$850.00} dollars on this hotel stay and had to borrow money from my father just to find another hotel to stay at, I live in XXXX and I was in XXXX XXXX XXXX and was stranded because the hotel didn't want to switch my room, so i left the hotel and had to find another one, I filed a dispute with chime for XXXX booking of the XXXX XXXX XXXX for {$550.00} and {$300.00} dollar dispute for the XXXX XXXX XXXX for over charging my debit card, when I didn't stay there, I need help getting a refund, this all of the money I had. I never stayed at the hotel and was still charged
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP (MO)

I have made multiple transfers from XXXX to my US Bank checking account using both 1-3 day delivery and instant transfer with no issues. However, I made an instant transfer of the balance of my XXXX to US Bank on XX/XX/2023. The transfer was initiated at XXXX XXXX  and showed as completed at XXXX XXXX. The funds were never credited to my US Bank account. I filed a Reg E dispute claim for the missing deposit and received a denial letter on the 10th business day by mail. I had already contacted XXXX and was provided a tracing number for the bank-to-bank Real-Time Payment network transfer of {$290.00} XXXX XXXX ) as this is not considered an ACH transfer. US Bank has done nothing to attempt to locate where the funds went or credit my account. This information was provided to them when I filed my dispute for the missing deposit. The OCC states the issue does not fall under its jurisdiction and referred me to the CFPB. It is frustrating that is has been 2 months and the bank nor the regulator want to performance their due diligence in resolving the issue. The funds did not just disappear.
Consumer complaint received 2018-10-09
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. (IA)

I have a collection account for {$30.00} appearing on my Equifax credit report, but no other credit report. I believe it is a debt I paid a long time ago, but the Equifax report does not have enough information to accurately identify the creditor and account. I disputed this with Equifax, but their online system will not allow me to see the results of the dispute. 

The amount is negligible. I would pay it again just to clear the credit report, even though I don't owe it. But Equifax does not even provide enough information for me to be able to do that.
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2024-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

Someone went inside the bank XX/XX/XXXX and withdraw {$15000.00}. Cash from my checking scale. They close up all my accounts. Got my money own hold it been XXXX and a XXXX months. Nobody told me anything. They stop answering the phone. They stop asking the email and they even abandon me from the premises. If I go on bmo  property I will get a Arrested
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2022-11-16
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 submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (GA)

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 U.S Code 1681a- Definitions ; rules of construction - Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experience between the consumer and the person making the report ; 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 purpose.
Consumer complaint received 2023-06-28
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 am writing to express my deep concern regarding the inaccurate information that has been reported on my consumer credit report. It has come to my attention that your agency has failed to maintain accurate records, which has had a detrimental impact on my financial standing. 

I have recently reviewed my credit report, obtained from your agency, and discovered several discrepancies that are grossly misleading and damaging to my creditworthiness. 


These inaccuracies in my credit report have had severe repercussions on my financial well-being. They have caused me to be denied credit opportunities, subjected me to higher interest rates, and hindered my ability to secure affordable housing and obtain favorable employment. Furthermore, I have diligently maintained a responsible financial track record, making timely payments and keeping my credit utilization low. Therefore, it is particularly distressing to find such erroneous information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Section 611 of the FCRA grants me the right to dispute inaccurate information on my credit report and provides you with a duty to conduct a reasonable investigation into the matter. It is clear that your agency has not met this obligation.

The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit reporting agencies, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for.

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
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. (CT)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Collections U.S.A., L.L.C. (FL)

I disputed information with the company in XX/XX/XXXX due to services rendered I did not agree to have performed. This has been in dispute for awhile and has not negatively affected my credit in a long time and I have good credit. I was attempting to clear this up on XX/XX/XXXX when a lady answered. I asked them about sttling and they said no in a very angrily voice. They asked me for my current address which I did not feel comfortable giving out. They told me very rudely, you will never be able to get a loan or fix your credit with this on there and then they hung up on me. I was going to pay regardless, but the lady would n't even give me the time to do that. I called back and spoke to someone else who was nicer and she said the same things to me about this is going to negatively affect me and ill never be able to get a loan. They also said they tried sending me letters which I never received. I had my mail forwarded to my new address and did not receive anything. They never tried calling me either and I have the same number I 've had for years. They tried telling me about Florida law and mailing medical bills to which I continued to ask if I can just pay the bill already so I did n't have to be berated anymore. I paid the bill total of XXXX. I would like to make sure I receive something in writing stating my debt has been paid in full and the dispute status has been removed. I did not give them my address at the time due to all of this and they told me they could n't email me either. After all of this I started to second guess why I paid this as i felt my credit was threatened and things would not go the way they said.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (SC)

I have tried many times to open a savings account at XXXX XXXX XXXX  and they are keep saying unable to process your application at this time. I have reached out to them and they are saying they do not know the reason because account opening process is automated. I had a lock on my credit file because my information was stolen during XXXX XXXX breach . Vio Bank told me I should unlock my credit file and re apply. I did that and still not able to open an account. my credit score is XXXX. Vio told me that i can try 3 times a day to open an account. I did many tries and now on my XXXX i see all of those tries.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC (MD)

The Company explained that someone filled out a credit card application ay XXXX on XX/XX/2024. We went through all my identity information and they said the person applied with all my correct information. I informed them that I did not apply and I was in a meeting with my staff at XXXX and I asked them to put a stop to it. The person removed the application and asked me to send an email to their back office email to be sure. I followed instructions and I am waiting to hear back.
Consumer complaint received 2023-06-28
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)

I called your department after I purchased a credit report with Identity IQ dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX and Chapter XXXX Bankruptcy Reference # : XXXX XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the Better Business Bureau XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. XXXX very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, XXXX, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am filing this complaint today against some credit reporting agencies that sharing my personal information without my consent. I have written them a letter saying that I do not consent with them having and sharing my information that they have received from financial institutions because that information is private. This is a violation of 15 USC 6801, 16 CFR 313 and the 1974 Privacy Act. These 3rd party agencies are sharing my addresses, telephone numbers and other personal information. I've called them to removed this information and sent them a letter to opt out and haven't gotten any cooperation. This issue has been affecting the way I do business and has been making it hard for me to receive anything for my family and household goods. I want my anything that has been reporting from financial institutions removed ASAP.