davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (CA)

XX/XX/XXXX i wrote and sent certified letters to all three credit bureaus. XXXX, trans union, and XXXX. I stated there was inaccurate information constantly being reported on my credit report. XXXXXXXX XXXX XXXX is a collection account that is reporting not only as OPEN but also shows a past due balance of {$920.00} and sometimes {$920.00} it varies every month when they report. they are also reporting late payments when there is no due date. this is a violation of the FRCA and of requisite XXXX COMPLIANT REPORTING STANDARDS, XXXX XXXX false payments with discrepancies in dates in the payment history section. claiming paid on XX/XX/XXXX then missed payment on XX/XX/XXXX of a closed/charged off listing which is also being reported as Past due in the amount of {$710.00}. this account was charged off and closed in XXXX. 
I asked all three bureaus to remove false/ inaccurate information and verify these debts if not I would like them removed. 
I got a response that everything was verified with little to no change. XX/XX/XXXX i sent a Method of verification letter asking how they did their investigation. I asked specific questions like who they spoke to and the name of the creditors with original documentation, etc. I expected a response in 15 days in accordance with FRCA 611. or it needs to be deleted. 
what I have received is a letter from XXXX in a timely manner, saying the reinvestigation has been done and is verified. no other proof was provided even tho I clearly asked for detailed information about the investigation. 
i received a letter from TransUnion that there is an issue with my address. did not address my actual letter. 
XXXX failed to answer at all. does not even update their information. 
XX/XX/XXXX i called all three bureaus about the letters I received. specifically, why i haven't received the proof that you did your due diligence on the investigation. I was told by emplyees of 2 out of the 3 bureaus that. '' they do not have to provide that information to me by law. the debt is verified and that is all. '' I asked to speak to someone else I was put on hold for another 30 mins and hung up on. they were rude and combative. I quoted the law to them and I was met with a refusal. and I'm still seeing reports of late payments on a collection account like it's renewed i believe they are messing with the statute of limitations and my overall credit health by reporting what they like when they like. because they don't get held responsible. what is the point of the Fair credit reporting act if they aren't going to abide by it? I feel helpless in this situation and don't know what else to do but to go forward with legal action if this does not get resolved soon.
Consumer complaint received 2023-01-03
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX account # 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 2022-11-07
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. (AL)

For over 2 years now I have been denied a fair & accurate consumer report by Transunion. On over XXXX occasions Ive submitted disputes along with proof of the inaccuracies and FCRA violations via certified mail. On XXXX occasions Ive received a generic verified response, & on XXXX occasions I received no response at all. Ive always had my suspicions that they were not actually reading my letters or properly investigating the information that Ive shown them is incorrect. So it was disheartening when XXXX XXXX XXXX of the House XXXX XXXX announced their findings that Transunion discarded disputes without investigation and have repeatedly violated the Fair Credit Reporting Act. Now I am sure that I have been a victim of this unfair practice. I can easily use my mortgage account on my consumer report as a clear, undeniable example. In XXXX of 2019 at the end of the month it reports as XXXX. In XXXX of 2019, the very next month, Transunion marked the payment as 60 days late. I was not 60 days late nor is this even possible to be on time at the end of XXXX but 60 days late in XXXX. I submitted this information, and again a true investigation was not done. I received a generic verified response. How is it EQUITABLE to me as the consumer to let the reporting agencies know that the information theyre reporting about me is inaccurate along with proof, but in their so called investigation they get to just ask the other party ( or not ) is this true and click a button? Along with this clear violation there are also XXXX other accounts listed on my consumer report that violate the Fair Credit Reporting Act. This has caused me unnecessary pain, stress, and hardship. As a result of Transunion continuously violating my rights after I tried to resolve this amicably, Ive also filed a complaint along with the violations & evidence of wrongdoing to Alabamas Attorney General, XXXX XXXX.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION (FL)

I wrote a letter to each credit bureau back in XX/XX/ about negative items on my credit report and got no response. Im demanding these accounts to be deleted immediately. According to 611 ( 5 ) ( A ) of the FRCA
Consumer complaint received 2023-02-14
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. (AZ)

I have disputed a fraudulent account with Experian XX/XX/XXXX via mail to report XXXX XXXX, XXXX and received notification that the case was open and would be resolved XX/XX/XXXX. It later was updated to XX/XX/XXXX and ultimately XX/XX/XXXX. Reached out to a supervisor with XXXX XXXX XXXX and they have no record of myself and Experian has yet failed to remove this account off my file. Experian had 30 days to respond and has failed to respond other than to let me know its still an active case 30 days later.
Consumer complaint received 2023-05-19
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CHECKING MY CREDITREPORT IS SHOWING I HAD 3 COLLECTION FOR 3 DIFFRENT CREDIT CARDS I NEVER OBTAIN BECAUSE AT THIS TIME I AM OUTSIDE OF THE COUNTRY SOMEONE STOLE MY INFORMATION AND USE TO OPEN THIS CREDIT CARDS ACCOUNT.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had hardship in the past with my capital one credit card. I had sent a hardship letter to ask for help removes late payments. If they can removed OR clear the late payments from XXXX and XXXX of XXXX and XXXX XXXX of XXXX. I can get my life back on track with my credit.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2017-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (GA)

I received two hospital bills in XXXX. The charges looked identical on each invoice. While I was in the process of understanding my bills I started paying the hospital. I was contacted by a collector saying that payment in the amount of {$470.00} must now be sent to them. It was XX/XX/XXXX ( our income was strained ). I contacted the hospital again on XX/XX/XXXX and spoke with a representative who told me that the problem was how the insurance company processed payment on the bill. They paid on the bill as an out-of-network instead of in-network. All of the doctors were in-network. I contacted the insurance company on the same day and spoke with a representative there and they gave me a confirmation code to give to the hospital. I contacted the hospital representative back with all the information provided by the insurance company including a new confirmation code. I was told by the hospital representative that the bill would be pulled from collection. I communicated all of this information in a letter to the collection agency. Now, 2 years has gone by without so much as a phone call, not even a letter until XX/XX/XXXX. This agency contacts me to tell me I have a debt in the amount of {$470.00}. My proof is in the names, dates, and confirmation code given to me for this bill. Can someone help me? I do not have a scanner but I 'm willing to make copies and send them if necessary.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SERVICES on behalf of XXXX XXXX Open Balance : {$960.00} Last reported XXXX XXXX XXXX  Opened : XX/XX/XXXX I am a victim of a natural disaster of XXXX XXXX. I received a threatening letter explaining that if this debt is not paid, my credit reports will be affected immediately. No way to contact this company except for email form. No representative of the company will return phones call or work with me in understanding this alleged debt. They sent the letter during a Florida state of emergency and will not explain anything without immediate payment.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

I am a XXXX XXXX in the state of Louisiana and I XXXX in XXXX XXXX. I received a paycheck of {$15000.00}. On XX/XX/2023, {$15000.00} was directly deposited into XXXX XXXX XXXX account ending in XXXX and {$200.00} was directly deposited into my chime credit builder account ending in XXXX. I decided to save a portion of the check by opening a savings account with Chime and initiated an ACH transfer of {$10000.00} from my first horizon checking account into the savings account with Chime. Immediately upon initiating the transfer through the Chime app, my account was flagged with suspicious activity and all of my funds were frozen and/or restricted. I received an email detailing documents that are required to verify my identity, which is understandable. I provided everything they asked for : a copy of my drivers license ( front and back ), a copy of my paystub, a bank statement, a copy of my social security card, a picture of my passport, a selfie holding my license up with a sheet of paper with my name and date on it, a written statement detailing the transaction, a letter of verification from my banking institution. Even after all of this documentation that I have provided, Chime still has my account frozen and restricted access to my funds. When I call customer service, they explain that there is nothing they can do on their end to remove the restrictions and pretty much tell me that I have to provide documentation, which I have. The customer service representative says that he can see all the documentation I've provided and even still his hands are tied. The representative says that I must communicate via email in order to fix the issue. Unfortunately, I am unable to reach anyone from the department that oversees account restrictions and security alerts. When I email XXXX, an automated response is sent to me asking for the same documentation that I have already provided with a link to upload documents but the link doesn't work. To this day, I have yet to speak to anyone through email and my account is now being considered for closure. I have {$10000.00} in a Chime checking account that is virtually stuck. All I want here, is to have the restrictions from the account removed so that I can transfer my money back to my checking account with XXXX XXXX so that I can close the account with Chime altogether. I'm concerned that Chime is essentially giving me the run around as a means to take my money. Please help!
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I submitted a complaint last XX/XX/2023 and companies involved responded. Some items were deleted but some are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-10-03
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. (MD)

n 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 2023-03-16
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: EQUIFAX, INC. (FL)

It has been YEARS now and nothing changed. All of these companies refuse to change dispute but advise one already opened. HaHa no kidding! When does the consumer get a fair shake. It's always the lender who is correct regardless of information provided, and it always takes longer than allowed but who cares! letter 's written, calls made, emails, CFPB. Complaints in my opinion all a fraud of great magnitude designed to keep people in financial bondage! Hey the record in writing evidently confirms it! Here is XXXX reply to current report which has given us a low score and adverse action just yesterday! Killed by the other two Equifax and XXXX. 

Know your rights REALLY WHAT RIGHTS HAHA A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. OPINION WHAT GOOD IS THIS? A WASTE OF TIME!!!! 
Submitted warning Disputes submission failed! 
XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. When do you correct the complaint!!!!! 

CREDIT UNION Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

CAR LOAN Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. ''
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (TX)

Goldman Sachs/Apple Card terminated my account without cause. I no longer wish to do business with Goldman Sachs/Apple Card, and do not wish to contest the closure of my account. However, Goldman Sachs/Apple Card continues to report my account as open on my credit report. I have received confirmation in the past that my account is closed, although I continue to receive notifications to contact support to obtain my statement. 

Attempts to contact the company have remained unfruitful. Representatives are not willing to share details onto why the account is not officially closed, and I am prohibited from obtaining copies of my statements. 

I'd for my account to be completely closed.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Dispute of Erroneous Reporting on Credit Report - Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the inaccurate information present on my TransUnion credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I demand immediate action to rectify this matter in accordance with my rights outlined in 15 U.S.C. 1681.

Upon reviewing my credit report, I was dismayed to discover that accounts from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX are still being reported, despite being rightfully removed by XXXX. This inconsistency in reporting is not only confusing but also damaging to my creditworthiness and financial standing.

It is imperative to note that under 15 U.S.C. 1681, consumer reporting agencies such as TransUnion are mandated to ensure the maximum possible accuracy of the information contained in consumer reports. The persistence of these erroneous entries on my TransUnion report blatantly violates this federal law and undermines the integrity of the credit reporting system.

I demand that TransUnion promptly conducts a thorough investigation into the inaccuracies in my credit report and takes immediate action to remove the erroneous entries associated with XXXX XXXX XXXX XXXX and XXXX XXXX . I also am providing proof from XXXX showing none existing accounts on my XXXX. Furthermore, I insist on receiving a written explanation detailing the steps taken to rectify this matter, as well as a revised credit report reflecting the accurate information in compliance with the FCRA.

Failure to comply with these demands within the statutory timeframe will leave me no choice but to pursue legal action to enforce my rights under the FCRA, including seeking damages for the harm caused by TransUnions negligent reporting practices.

I trust that TransUnion will handle this matter with the utmost urgency and professionalism. Your prompt attention to this dispute is greatly appreciated. 
Sincerely, XXXX XXXX