davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I received a number of charges from XXXX parks and entertainment for the amounts of XXXX a total of 5 transactions as well as XXXX for XXXX and XXXX and XXXX. I reached out to XXXX and they advised they didnt have anything current for my account so of course I disputed I was advised by a representative that after 10 business days I would receive a provisional credit.After the 10 business days I didnt get a credit I was advised by a representative that my credit was denied because 2 out of 7 didnt qualify and that I would have to wait for 30 business days ( filed dispute on XX/XX/23 ) today was the 31st day with the holiday in consideration I called again today and was told that I would have to wait an additional 30 days.Also after being issued a new debit card another transaction from XXXX XXXX and I was told I had to inform that that I had to verbally tell them to block the merchant and that I would have to request a new card! Im a single parent and in these times I can not afford this and its also delaying me to pay my rent please help! I also requested to speak with a supervisor I was told I could not and I was only provided a name of XXXX and a reference number XXXX
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (MD)

i have added XXXX $ to google play balance and never used it, as i switched to iphone. i never had an opportunity to use google play. 
i tried several occasions to google support team, they always declined to give my XXXX $ back. they are saying that, they dont allow transfer or redeem money for outside the google play store. that's ridiculous, that's my money. i have right to take out money back. 

the Payments profile ID : XXXX
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (FL)

While most state harassment laws do not require the victim to formally request the harasser to stop, some documentation goes a long way in establishing your displeasure with the offender 's actionshence the cease and desist letter. ... A cease and desist order is given by a judge to order a person to stop a certain act.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to the credit bureaus XXXX, XXXX and transunion regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have reached out to the credit bureaus experian, XXXX and XXXX  regarding invalid information found on my credit report. I have requested they provided detailed validation that the accounts belong to me. They have yet to provide the information or DELETE the accounts from my reports.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (CO)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
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. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JTM Capital Management, LLC (VA)

JTM capital, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX with two men named XXXX XXXX and XXXX XXXX or XXXX. They have called threatening they have taken legal action ( which they have not ) three t Bening to.come to.my house, place of employment and garnish my.wages though no legal action has been taken. I volunteered to pay with written proof of debt and a secure payment option in which the lady in financial services began to threatened argue with Me if I did not give her my financial information. She then hung up on Me. They have called multiple times and use different legal threats each time. Harrass employment and do not follow through with simple verifiable information - written statements. The phone number they provide does not come back to a valid business, all numbers routebacktoXXXX XXXXXXXX and when questioned as to why I could not locate them on XXXX. They statically people don't use the internet. No information about their existence, phone numbers or names are not traceable as valid businesses.
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

The apartment complex is stating that I own a balance. The lease was paid in full after lease end date. I did not receive a deposit back but they are trying to collect a balance of {$370.00} which I should not owe. This incorrect information is cause hardship in finding a new place as this is reported on my credit report.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Item : XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX Opened on XXXX XXXX and XXXX  XXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXXXXXX XXXX  account # XXXX Opened XX/XX/XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A 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. Any other adverse items of information, other than records of convictions of cries 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 Accout XXXX XXXX account XXXX XXXX previously said deleted but was not deleted from my report
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

XXXX XXXX  XXXX Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below.

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Consumer complaint received 2023-07-07
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: CL Holdings LLC (TX)

In accordance with the fair credit reporting act convergent Acct list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the fair Credit Reporting Act. XXXX  these accounts have violated my rights. 

15 USC 1681 Section 602 A, State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consumer reporting agency can not furnish a account without my written instruction. 

# XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2017-03-27
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: DFC Global Corp. (AZ)

The company is ma associate is calling and saying that I am being sued. I have not had contact with this company before. I had advised them that I do not know of any paydays loans from XX/XX/2008 and I would like them to prove that this is me during this time I had my identity stolen and do not know what was open and what was not
Consumer complaint received 2023-04-14
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. (IN)

XXXX XXXX has not be removed from my credit report and is causing my score to be less than it should. This is reported on my Experian and XXXX credit report.
Consumer complaint received 2023-04-14
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX This company has my personal information an I did not give this company consent to keep my personal information in their system. This is a formal notification to this company that I do not give permission for this company to have my personal information. I am giving notice to this company that they must immediately delete my personal information from their files. Also please be aware that holding or freezing my account does not update my credit report/file. I have requested that all my personal information be deleted from this company database/file immediately.
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Sulphur Bank Rancheria Enterprises (CO)

This company is Garnishing my checks Without my knowledge Never took me to court never sent me papers that they're gon na send me to court I'm just wondering how they are able to do This
Consumer complaint received 2023-04-19
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. (NY)

I contacted the bank and they agreed to remove the account from my report due to fraud. Please have the account stated below removed from my file completely. 

XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX which was returned to me for not deliverable address. 
I then sent XXXX and transunion a letter to remove this account because it is violation of The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AO and ( a ) ( 1 ) ( CO You are hereby notified that the data furnisher has not clearly and conspicuously provided an address at which to write a dispute about inaccurate information. If this information continues to report on my credit files, you will be held responsible for knowingly reporting false information.

This account is still reporting on my credit report. 
Ive included the envelope showing returned, the address that is reported to the credit bureaus, and the letters I sent to XXXX and transunion.
Consumer complaint received 2023-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX bought the debt from another bank & started sending statements to the wrong address. They are aware of the issue & agreed to update it to open/never late. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-09-08
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. (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I discovered in XX/XX/2023 that inaccurate transactions between a financial institution and consumer which is nonpublic personal information was furnished on my consumer credit report and without my written consent. I have filed an FTC report.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.