davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 

XXXX XXXX XXXX : has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish accounts without wriiten instructions.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report c ontaining any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 681-2 ( A ) ( 1 ) A person shall not furnished any infomation relating to consumer repairing agency if the person knows or has reasonablecause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
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. (MA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc (TX)

I have been trying to use the mobile check deposit with chime since XX/XX/XXXX and once you take the photo of check hit submit it continues to give error " we can not read numbers on bottom of check '' yet before you accept the photo it says " if you can not read this, then we can not read this '', sent email to chime support XX/XX/XXXX XXXX response XX/XX/XXXX XXXX a nut shell i as told to uninstall/reinstall app which i did take more photos dark background with more light which i did if still did not work screen shot error and reply back which i did. 
XX/XX/XXXX XXXX no response to reply-sent another email no response-sent another email XXXX. 
called XXXX XX/XX/XXXX asked for supervisor XXXX XXXX was told to take more photos because of shadows would stat on line to see but call dropped. 
XXXX called back XXXX XXXX who told me creases on check along with shadows-take more pics. also told me to iron the check! then call dropped. I then got idea to get personal check from old bank acct that is closed, I took pic of the front of check only hit submit and it sent!!! now it was a blank check but it fit in the photo box perfect. that check measured 6 '' and real check is 8 1/2 '' long! 
called back s/w XXXX and was told check is pending review to which i explained that is blank check and the app took that but not the real one ... ... he started laughing because he couldn't believe it along with he couldn't believe how many pics of this check there was and said he couldn't understand why it would not send because what he was looking at all looked clear! he even called off all the numbers of this check and of course call dropped. i live in the country service is wonderful. 
called again this time got XXXX at XXXX who was just a smart XXXX ( sorry ) told me same old take new pics-I explained the above and he said well sorry nothing we can do you will have to take check elsewhere. I asked to speak with someone higher he said there is no one above him!
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I paid off the loan and credit bureaus continue to show a past due amount. I've filed a dispute with the credit bureau ( Equifax ) disputing the incorrect account information. Equifax closed my dispute within 3 days without verifying with creditor. I've submitted a second dispute providing Equifax with a recent letter from the creditor showing the account has a XXXX XXXX. Equifax still refuses to correct the erroneous data on my credit report.
Consumer complaint received 2023-08-11
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)

I am requesting again in regards 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, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet 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
Consumer complaint received 2022-10-23
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. (TN)

In accordance with the Fair Credit Reporting Account, 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 15 U.S.C 1666B : A creditor may not treat a payment late on a credit card account under an open end consumer credit plan as late for any purpose. 

My payment was made 7 days late ( due XX/XX/22, made XX/XX/22 ) for the last due amount and next months minimum payment. This is the only late payment on my account and was not due to financial hardship. I am more than capable of paying all future payments on time. This was a one time situation and it will not happen again.
Consumer complaint received 2023-08-11
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. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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
Consumer complaint received 2023-08-11
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: TRUIST FINANCIAL CORPORATION (GA)

I noticed some fraudulent inquiries on my credit report I would like them removed XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX TRUIST BANK Inquiry : XXXX. XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-08-11
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 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 2023-08-11
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. (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.

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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 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 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I had hurricane damages so I gave Chase the check and they released XXXX so we then proceeded with the repairs, all were water related so they had to be done and it was more than they released to us. I then put my own money out for them all and work is 100 complete. They are still holding XXXX and said after an inspector that they sent it would be released. The inspector was out on XX/XX/XXXX and send them a report 100 complete. They said it was not sent, I contacted him and he sent it numerous time to them. He said it was them not processing? Don't know who is lying but I need my money, I suggested another inspector to come out and he did, same results house 100 complete. I called they said same not done? I don't know how to get my money, I used all my saving to get this done and wont have my mortgage payment among other bills until I get this. I am XXXX year old widowed veteran and live on a fixed income. I am sure you can understand how hard this is on me. I just want what is mine and not even a supervisor has followed through to help. I have spoken to XXXX XXXX, XXXX XXXX at Chase insurance their phone number is XXXX their tracking number for my house is XXXX. This claim check was first issued in XXXX of XXXX. I am attaching a text picture that the inspector sent to me of 100 percent done. His name is XXXX XXXX XXXX if you need that information. Thank you
Consumer complaint received 2023-05-10
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. (GA)

My credit report may have been hacked, according to reports. I was looking over my records once more when I found a lot of things that weren't mine. The FCRA 's section 605b requires you to remove and block any things that are discovered to have been opened as a result of identity theft, according to my diligent study. I do not own the objects in the dispute. As a result of additional study that both parties requested, I am providing the necessary FTC Report for you. Those files should be blocked or deleted. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-08-11
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. (CA)

I hope this email finds you well. I am writing to express my growing concern and frustration regarding the ongoing issues I am facing with TransUnion in relation to fraudulent and unauthorized inquiries appearing on my consumer report. Despite my best efforts, I have encountered significant difficulties in resolving this matter, and I am reaching out to seek your assistance in resolving this issue promptly. 

Over the past several months, I have diligently corresponded with TransUnion by sending multiple letters detailing the unauthorized inquiries on my consumer report. Regrettably, the responses I have received from TransUnion have been nothing short of discouraging. Instead of addressing the matter at hand, their letters have consistently lacked substantive action and instead appeared to be stall tactics, with no real indication of addressing the concerns I've raised. 

What is even more concerning is that one of my letters to TransUnion has seemingly been ignored entirely, as I have not received any response from them in relation to that specific communication. This lack of acknowledgment is not only frustrating but also undermines my faith in the credit reporting system 's ability to rectify such matters. 

I would like to bring to your attention that the Fair Credit Reporting Act stipulates very clearly that there are specific permissible purposes for pulling an individual 's credit report, which include : A firm offer of credit Insurance purposes Application for employment A court order It is evident that the unauthorized inquiries on my consumer report do not fall within any of these permissible purposes. As a consumer, I am protected by these provisions, and I find it deeply troubling that TransUnion appears to be neglecting their responsibilities in ensuring the accuracy and integrity of the information they provide. 

Given the urgency and gravity of this matter, I kindly request your intervention to facilitate a resolution between myself and TransUnion. It is my hope that your involvement will help to expedite the removal of these unauthorized inquiries and ensure that TransUnion adheres to its obligations under the Fair Credit Reporting Act. 

I am truly grateful for your time and attention to this matter. If further documentation or information is required from my end, please do not hesitate to reach out to me at [ Your Contact Information ]. I look forward to a swift and favorable resolution to this issue. 

Thank you for your assistance.
Consumer complaint received 2023-08-11
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. (MO)

I mailed a letter to Experian, XXXX, and XXXX on XX/XX/2023, with tracking number XXXX. Despite over 30 days passing, I have not received the investigation results from the credit bureaus. This situation is perplexing. As per 15 U.S. Code 1681, if a consumer disputes information accuracy and notifies the agency, the agency must conduct a free reinvestigation within 30 days. This legal requirement has not been met. 

Accounts : - XXXX XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX XXXX XXXX, Acc # : XXXX and Acc # : XXXX - XXXX XXXX  XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX, Acc # : XXXX - XXXX XXXX, Acc # : XXXX - XXXX XXXX XXXX, Acc # : XXXX and Acc XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION (TX)

I did some more looking into this debt that this debt collection agency says I owe and this is what I found.. Al; so, please see email below they sent me after i asked them for a debt validation document. 

The name of the company is XXXX XXXX XXXX. When you call and they answer the phone they refer to themselves as XXXX XXXX XXXX and claim they are an attorney 's office. 

Phone number : XXXX Supposed Creditor : Check and Go ( Payday Loan ) I spoke with them twice. 

XXXX XX/XX/XXXX - Spoke with a man by the name of XXXX XXXX who claimed they are a legal firm. He said I owed a balance of XXXX dollars on this check and go account. I asked how much the original debt was for and they guy slightly hesitated and told me XXXX dollars. He said i could settle it if I paid XXXX dollars plus a processing fee of XXXX dollars. They guy said they were going to have me serviced with court papers and that I could end up going to court and being sued. He also said he had my parent 's names. I asked him what my parents names were and he said I was wasting his time. This company has my address. 

XXXX XX/XX/XXXX - I called them and spoke with them again just to ensure I wasn't making a mistake and did owe the money. The first time I called I asked them what kind of company they were and they hung up on me. The second time I called I got some snarky lady. This time she said I owed XXXX dollars instead of the XXXX dollars I was quoted on XXXX XXXX XXXX by XXXX XXXX. She said the loan was issued in XX/XX/XXXX. She said I could settle the debt for XXXX dollars. She claimed they were a mediation group at a law office. I told her if I really owed it that I would pay it but first I need some type of documentation. That's when she sent me this email that I am forwarding to you. She told me if I needed the original document that I wouldn't be able to get a copy of it until we went to court. She also threatened me with serving me papers and taking me to court in XXXX XXXX, Texas. I am extremely alarmed because she knew social, date of birth, my address and make mention of my old bank account at XXXX XXXX XXXX whom I no longer bank with anymore and hadn't for a few years. She didn't say what my checking account number was. 

On XXXX XX/XX/XXXX I called the company they say I owe money to called Check and Go. Between customer service and their collections department three different people confirmed for me that I did not owe money to check and go. I wanted to check myself to see if owed them money and I would have paid it. This company didn't sound familiar when the debt collection agency told me who I owed. 

Their website addess is : XXXX address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Their email adress is XXXX.
Consumer complaint received 2023-08-11
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. (KY)

I am requesting again in regards 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, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix 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
Consumer complaint received 2023-08-11
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2023-08-11
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX