davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Also XXXX this bankruptcy file date is wrong and this bankruptcy are out of statute for reporting on a credit report. And it should no longer be reported because it is past the 5 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : US BKPT CT MI XXXX Bankruptcy : Discharged XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : US DIST CT XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ASSOCIATED BANC-CORP (IL)

Associated Bank continues to report a closed, paid in full account as currently 30-59 days past due on my credit reports. The account is paid in full so nothing can be currently late. The bank keeps saying they are reporting correctly yet when I asked what I need to pay in order to bring this account to a current status, I'm told nothing is owed since the account is closed. I know this, since I paid the account in full. I can't say enough that the account is paid in full. Since Associated Bank keeps countering that they are reporting correctly, I ask they specially answer the two questions as part of their response to this complaint so it is on the record here : 1. What is the balance on this account? 2. What is the current amount owed to bring this account to a current status? Since the bank is reporting the account as 30-59 days past-due that means a payment is necessary in order for it to be brought current which I then need to pay. If the answer to these two questions is anything other than zero, than the bank needs to correct my credit reports to reflect that the account is not currently 30-59 days past due. I also demand the bank send me any information regarding the arbitration clause that may be associated with disputes regarding this account as that is going to be my next step. If there is not an arbitration clause than the bank should advise so in their response here. A copy of the reports in question are attached with the current payment status section circled in case the bank needs assistance in reading the obvious.
Consumer complaint received 2022-11-15
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. (MD)

XXXX XXXX XXXX sends wrong report to credit reporting Bureaus. 
I first noticed it early XXXX due to a XXXX point drop in my credit score. I noticed that because my main credit card ( XXXX  double cash back ) stoped working and when I called them they said my credit limit has been cut in half due to my most recent credit report. 
That was when I noticed XXXX on my credit report and the first time I tried to check on it. they couldnt find anything based on my information. 
I submitted a dispute through XXXX and they took some time but they removed the account from my credit report. 
The second time I tried contacting the credit union was when my XXXX dispute was rejected, and transUnion dispute was rejected shortly after that ( or thats when I noticed ). I was on hold with XXXX XXXX XXXX for another XXXX minutes after already waiting for XXXX XXXX m to speak to the customer representative. Finally he said I appear as a secondary on an account and the account is over the limit. When I told them that is not my account and my information has been miss-used he said to dispute through credit report and hung up. 
I had already submitted several disputes about that account and they ( XXXX and TransUnion ) refused to take it down due to confirmed accurate reported from XXXX XXXX XXXX. 
I would appreciate it if you could please help me in this matter.
Consumer complaint received 2023-02-27
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. (CA)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 yection 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2022-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2018-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Wallace Management Company, LLC (MO)

XXXX XXXX sent a live check guaranteed loan offer that promised reporting to credit agency 's. I have been trying since XX/XX/XXXX two months after opening account, to get them to do this. XX/XX/2018 I was told by the branch manager if I renew my loan, " it will definitely be reported. '' My response to her was, " It should definitely already been reported 4 months ago. '' On XX/XX/2018, the branch manager called me and informed me I had to call XXXX and file a dispute so they ( XXXX XXXX ) can do what they needed to do. These people obviously have no idea what they are doing or don't care they do not fulfill their end of the agreement. They checked my credit without my permission creating a hard inquiry. I have requested this be removed. The offer was not a pre-approved offer, by it being guaranteed they already had all the information they wanted and needed when they did a soft inquiry on my report in XX/XX/2018. Consumer regulation allows for a credit check for the purpose of underwriting, this company already had the loan offer underwritten, which is why a hard inquiry is not allowed after the fact and especially without permission or knowledge. They claimed they submitted the request for the removal of the hard inquiry but they had not because I called XXXX and had filed a dispute, had they filed it already, I would not have had to file. They have not responded to XXXX as of XX/XX/XXXX because it is still on there.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (OH)

XX/XX/XXXX. 2022 I requested a copy of my XXXX credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX. 2022 I requested a copy of my XXXX credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXXXXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).
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. (NC)

Subject : Urgent Dispute and Documentation Request for XXXX  Account No. Ending in XXXX Dear Sir/Madam, I am reaching out to urgently request the Consumer Financial Protection Bureaus intervention regarding discrepancies and unresolved issues with my XXXX  secured credit account, ending in XXXX. This account was initiated on XX/XX/XXXX, with a {$200.00} deposit aimed at credit rebuilding. 

Key Concerns : XXXX. Unexplained Interest and Balance Discrepancies : Post deposit, I noted accruing interest, leading to an unexpected balance that contradicted my credit rebuilding intent. 
XXXX Credit Report Inconsistency : My TransUnion report dated XX/XX/XXXX, indicates a {$310.00} debt, conflicting with my XX/XX/XXXX, statement showing XXXX XXXXbelow my initial deposit. 
XXXX. Account Charge-Off : Despite unclear communication, the account was closed and charged-off at {$310.00} around XX/XX/XXXX. 

Requests for CFPB Action : - Investigate and clarify the basis for the {$310.00} charge-off and report discrepancy.

- Detail how my {$200.00} deposit was utilized against the accounts balance.

- Provide insights into the interest charges leading to the current reported balance.

This situation is critical as I am endeavoring to rectify my credit report for imminent financial activities. I have attempted to resolve these issues directly with XXXX but have not received satisfactory responses or documentation.

Attached are relevant documents, including my credit report updates and the final account statement. I respectfully request CFPBs assistance in rectifying these discrepancies within the XXXX-day response period mandated by the FCRA and FCBA.

Your immediate attention to this matter will be greatly appreciated as I seek to ensure the integrity of my credit information.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

On XX/XX/XXXX Chime bank notified me that via email/text that there was suspicious fraudulent activity on my account. This put my account on a lock or suspended. From that point forward I have sent numerous emails ( close to 10 ) and about 25-30 phones calls ( thats what it feels like ) and I have sent them everything they have asked for as far as verification of my identity. They even expedited my account to have this reviewed and in the end they say I need to way. Im sorry at this point its been 3 weeks of waiting. ALL of my savings/funds are in this account. About $ XXXX {$7000.00} is sitting in there and they want me to wait on their time. I have a life, a family, I need to pay bills AND EAT. I cant afford to sit around for whatever department for my money. This is sick and honestly inhumane to have this long hold on someone elses money. They dont respond to any emails and when I make posts on twitter they respond with XXXX there, thank you for your patience, we are still working on this case. Keep an eye out for a message from our Member Services. Its almost one month and on XXXX I saw many people having this issue and even one who waited over a year. I will not do this. The holidays are very close and I cant participate in ways that someone would like to. PLEASE HELP ME. Chime is so useless and can care less about their customers. Today is XX/XX/XXXX and Im still waiting.
Consumer complaint received 2017-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS. MY INTEREST RATE IS OVER 20 %, I HAVE FEES ASSOCIATED WITH MY ACCOUNT OVER {$800.00} WORTH OF FEES THAT CA N'T BE EXPLAINED, THEY TELL ME THEY CHARGE INTEREST PER DAY YOU ARE LATE, CAUSING ALL KIND OF EXCESS DEES ON MY LOAN, I HAVE HAS THIS VEHICLE SINCE  XXXX   XXXX , ORIGINAL BALANCE WAS  XXXX  AND IT 'S NOW  XXXX   XXXX , MY BALANCE IS STILL  XXXX  AND NO ONE AT THIS COMPANY CAN EXPLAIN TO ME WHATS GOING ON. THEY CLAIM IT 'S DUE TO LATE PAYMENTS, I GOT EXTENTIONS WITH THIS COMPANY AND FOR THAT TIME, THE PAYMENTS WAS SUPPOSE TO BE PUT ON THE END OF THE LOAN, DATES ARE  XXXX ,  XXXX . HOWEVER, THE LATE ITS 'S SHOWING LATE PAYMENTS FOR THE MONTHS I GOT EXTENTIONS FOR, I HAVE ASKED THIS COMPANY TO REMOVE THE LATE PAYMENTS FROM MY ACCOUNT ON SEVERAL OCCASIONS AND THEY ARE RUDE AND ALL THEY TELL ME IT 'S NOTHING THEY CAN DO, THIS IS SHOWING UP NEGATIVE ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THIS RESOLVED.
Consumer complaint received 2022-11-15
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-05-23
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)

someone attempter to apply for a credit card in my name... .Spoke to XXXX  Bank and they put a fraud alert but it is showing as an inquiry and that will harm my credit
Consumer complaint received 2023-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing to you as a customer of both XXXX and Capital One, to ask for your assistance in resolving a problem. My wife and I naively transferred {$50000.00} from a Capital One account in my name to a XXXX account in her name. It was flagged as fraud ( third party transfer ), and our nightmare began. The funds are being held by XXXX, and both banks seem to agree that there is no fraud. The way we set up our new XXXX account ( in one name only ) was clearly our error. In retrospect, we should have opened it as a joint account. 

After two months of back-and-forth between the banks, we are still unable to get access to our {$50000.00}. I am seeking your assistance in helping us navigate this process so our family can get access to our funds. Attached please find the background of the calls and actions we have taken to date to get this resolved.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cawley & Bergmann, LLP (CA)

Debt collector has unfair collection practices. Every month they send wrong balance due. Made a final payment, on a settlement with Company. They continue to send notices for more dollar amount. I a senior and have incurred medical issues. Please help me. Thank you in advance
Consumer complaint received 2023-06-01
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 XXXX Account # 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 2018-10-10
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. (TX)

I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.
Consumer complaint received 2022-11-15
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account XXXX XXXX, violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights. 
XXXXXXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # 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 2023-02-02
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. (HI)

I call XXXX today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. XXXXFiled a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXXEmail XXXX Tranunions, XXXX Ceo as last resort before I Sue them.
Consumer complaint received 2023-02-02
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. (HI)

I call XXXX today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX XXXX Equifax are trying to stall me hoping that I will stop. XXXXFiled a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXXXXXX XXXX XXXX Equifax XXXX as last resort before I Sue them.