davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Update to paid as aggree 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inquiry from my credit report
Consumer complaint received 2022-12-06
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-14
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. (VA)

I have been trying to work on my credit for a couple years. I hate to report this, but XXXX has not been updating my credit. I have made several payments on my XXXX account and they have never updated my balance. I filed a complaint with Experian and Experian claims that my balance is legit. How is this possible? XXXX keeps reporting that I am at or over my limit. I have never been over my limit! In fact my current statement shows my account balance at {$1500.00}. My line of credit is {$2500.00} ; so literally falsly reporting on my report nearly {$1000.00} of a difference. Statement will be attached.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is 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 2023-08-14
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. (MI)

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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MI)

After reviewing my credit report I found an inaccurate inquiry on my account I called Credit Acceptance to let them know that I did not apply with them and the representative took my statement and said that someone would call me about it being removed however they failed to do so.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 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 or 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. 
XXXX INQUIRIES : XXXX XXXXXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN INQUIRIES : XXXX XXXX XXXXXXXX  XXXX, XXXX, XXXX. XXXX XXXX, XXXX. XXXX INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX-XXXX  XXXX, XXXX. XXXX INACCURATE ACCOUNTS : XXXX  XXXX XXXX XXXXXXXX EXPERIAN XXXX ACCOUNTS-XXXX XXXXACCOUNT # XXXX XXXX, XXXX. XXXX XXXX-ACCOUNT # XXXX XXXX, XXXX. XXXX XXXX ACCOUNT # XXXX XXXX, XXXX, XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX, XXXX XXXX-ACCOUNT XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXX, XXXX. XXXX INACCURATE ACCOUNTS : ACCOUNTS-XXXX XXXX-ACCOUNT # XXXX XXXX, XXXX. XXXX XXXX-ACCOUNT # XXXX XXXX, XXXX. XXXX XXXX ACCOUNT # XXXX XXXX, XXXX, XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX, XXXX XXXX-ACCOUNT XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXXACCOUNT # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (LA)

Due to unforeseen circumstances, I incurred several late fees on a loan. I eventually made those late fee payments, actually on 2 occasions because the company did not post my payment to the late fee. When I was prepared to make the second late fee payment, I contacted the company to get confirmation of the exact amount to make the loan current and get the late fees caught up. I immediately made the payment online. After seeing the payment post and STILL not being applied to the late fee, I contacted the company. I was told I needed to make the XXXX payment then the late fee would be covered. I made that payment on XX/XX/XXXX. Today, XX/XX/XXXX I contacted the company again because I recevied a statement and the late fees are STILL on the account. They continue to use the money I am sending for late fees and are applying it to the principal. I am now being told to make the XXXX payment on or before XX/XX/XXXX and they will take the late fees out of that payment. Late fees are {$270.00} and I have paid that TWICE. so they have {$540.00} extra on the principal and {$270.00} in late fees. 
Late Fees : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these XXXX were paid XX/XX/XXXX {$170.00} but they applied the payment to principal XX/XX/XXXX - this was paid XX/XX/XXXX {$48.00} but they applied the payment to principal XX/XX/XXXX - this was paid on XX/XX/XXXX {$56.00} XXXX the {$170.00} again and the {$48.00} again. And once again they applied the payment to principal.
Consumer complaint received 2023-08-14
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. (MI)

My Account with XXXX was paid off on XX/XX/2023. As of today 's date, XX/XX/2023, XXXX is refusing to report my loan status as PAID. Approximately {$11000.00} in Student Loans has been paid, and they are still showing up on my credit report. I have contacted XXXX various times to let them know that they have not correctly reported my information to the Credit Bureau. They are refusing to give me additional information or cooperate with reporting my information properly. I have proof and documentation in writing with a mailed letter stating that all loans are paid, but this is as much as I have gotten.
Consumer complaint received 2023-08-14
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. (GA)

on XX/XX/XXXX i sent a request for transunion to go over some items that i needed to dispute and they have yet to process my dispute. At this point they have ignored my request.
Consumer complaint received 2023-08-14
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. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-14
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. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX with acct # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (NY)

I am submitting another CFPB complaint directly to Experian and XXXX Credit Bureaus, as when checking my XXXX Credit Report, I found that the fraudulent inquiry I requested to remove was no longer be seen in my credit report. So I kindly request to the remaining XXXX credit bureaus to fully remove these remaining fraudulent inquiries from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, per XXXX, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint XXXX was submitted XX/XX/. It has been over 60 days without a response. According to CFPB, the company has 60 days to answer. So this XXXX should be deleted from my credit reports.
Consumer complaint received 2023-06-06
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)

When I investigated my credit report, I realized that some of the information was erroneous. The credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-08-15
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$200.00}
Consumer complaint received 2023-08-14
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. (FL)

To whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions i dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-08-14
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request for resolution regarding credit reporting issues that have deeply impacted my financial well-being and peace of mind. I believe that my rights under various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ), have been violated.

Firstly, I have encountered unauthorized credit inquiries on my credit report. Specifically, I did not provide consent for the following inquiries : 1. XXXX - Date of Inquiry : XX/XX/XXXX 2. XXXX - Date of Inquiry : XX/XX/XXXX 3. XXXX XXXX - Date of Inquiry : XX/XX/XXXX These inquiries have been made without my consent, which I believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ).

Moreover, I have discovered inaccurate personal information on my credit report, including incorrect addresses. The following addresses are inaccurate and should be removed immediately : 1. CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX 2. PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX These inaccuracies, if not corrected, could adversely affect my ability to access financial services and may result in unwarranted denials or higher interest rates. 

Lastly, I have identified an account with the creditor XXXX XXXX Account Number : XXXX ) that appears questionable and unverified. Despite my attempts to seek clarification, the account remains unclear. This lack of verification may be in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681s-2. 

I am deeply concerned about the emotional and financial toll these issues have taken on my life. The constant stress and uncertainty caused by incorrect information and unauthorized inquiries have affected my ability to secure fair credit terms and financial opportunities. As someone who has worked hard to maintain a strong financial record, I am disheartened by the hurdles these violations have placed before me. 

In light of these circumstances, I kindly request that you investigate these matters and ensure that my rights under the relevant federal laws are enforced. I urge you to work with the involved creditors to promptly remove the unauthorized inquiries and inaccurate information from my credit report. I also ask for a thorough investigation into the unverified account, and if it can not be validated, I request its removal from my credit report as well. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in helping to rectify these violations and restore my financial well-being. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-14
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. (NV)

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Report shows this account was opened XX/XX/2023, it has been opened for 2 months, the account status is open,, the responsibility is as individual and the amount owed is {$300.00}. 

This account states that the original creditor name is : XXXX XXXX XXXX 

I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX 
Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

XXXX XXXX XXXX XXXX ( 0 minutes ago ) to me I am writing to express my concern regarding the current status of my Chime account and the apparent withholding of my funds. I decided to open a Chime account to receive direct deposits from my current job. On XX/XX/2023 I got an email stating that my account with chime was closed. After contacting them they told me that I violated the deposit account agreement and that they could not disclose why my account was closed. There has never been any fraudulent activity on my chime account. I contacted them multiple times, only through email because they did not have a phone number for me to talk to a live agent at the time. I was told in an email from chime on XX/XX/2023 that within 30 days of my account closure I would receive a closure check. 30 days passed, I was never sent a check, nor did I receive any confirmation from Chime that a closure check was sent. After contacting them again they continued to give me the run around and say that they need more documents even though I had already previously sent documents verifying my identity, home address, proof of my deposits, etc. On XX/XX/2023 I sent one final email with all of the documents once again that I have already sent them multiple times. After days of waiting for a resolution to the problem that I have been dealing with for over a month with chime they stated in an email on XX/XX/2023 that now my account is no longer eligible for a refund. So, they are refusing to give me my funds that I legally worked for. I reviewed the terms and conditions of my account agreement and didnt see anything that I violated. They never gave me any proof on the closure of my account and why it happened. I kindly request a detailed explanation for the withholding of my funds and a clear timeline for their release. Chime did not do their part in solving any problem I had with them and they have continued to withhold my funds without any legal action. I believe in a fair resolution and hope to resolve this matter promptly.