davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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. (PA)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''
Consumer complaint received 2024-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

On XX/XX/XXXX I received a fraud alert for my Chine account. I contacted Chime and spoke with a representative named XXXX He said 2 transactions 1 from XXXX for XXXX and XXXX from a company called XXXX  for XXXX had been made and they weren't my transactions. Due to this fraud I asked to cancel my debit and credit builder card and send new ones. The rep said they were canceled and assured me my account was secure. Come to find out my cards had not been canceled just reissued with the EXACT SAME info and my account was completely emptied. {$940.00} and {$580.00} between XX/XX/XXXX and XX/XX/XXXX. When I called back on XX/XX/XXXX to speak with a XXXX I was told yes they saw I requested my cards be canceled but they didn't do it because I spoke with customer service not the dispute department. I was told some transactions were still pending and she said she could cancel those and to wait until the transactions settled and then contact the dispute department. XXXX days for an " investigation ''!! I have to pay rent, buy food, pay my powe bill put gas in my car, buy toilet paper! XXXX days I have to wait to get my money back because the company erred? No way. Please help me.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My right as a consumer is being violated according to " 15 usc 1681a2 ''. In Accordance with the Fair Credit Reporting act. 
Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. I have mailed out letters to Equifax to properly investigate an account that does not belong to me. The Tracking Number for the letters mailed out XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The credit bureau stated that Account Name : XXXX XXXX XXXX, Account Number : XXXX was properly investigated, however how is that possible when that account is not on any of my other credit report. I've also sent them a copy of my XXXX credit report which shows the date that account is to be removed from my profile. According to the FCRA 15 U.S.C 1681everything has to be 100 % Accurate. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c-2 also states that " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ''. I haven't given these accounts written permission to furnish these accounts on my credit report. I have the credit report showing the inaccuracies. I am a victim of fraud and I've also attached a copy of my Identity theft report.
Consumer complaint received 2023-03-13
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. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.
Consumer complaint received 2023-09-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

All the documents pertaining to this file have been attached. Citizens unilaterally canceled a loan modification that was fully executed by both parties. They can provide no written notification to cancel the modification as required by their own Addendum to the Loan Modification entitled, 'Notice of No Oral Agreements. ' After a long drawn out back and forth, we agreed to restart the loan modification process with Citizens ' Loss Mitigation Department. The agreement is currently in process. Payments per the agreement have been made in a timely manner. As of today, Citizens has not canceled the Sale Date of the Foreclosure and it remains on the record as XX/XX/2023. We have contaced the Trustee and they informed us that on the date of sale that they would call Citizens to get information on whether they are postponing, canceling, or closing our file. As we have absolutely no trust that Citizens will do as they have agreed upon with us, I would like written confirmation that they are not going to sell our house on XX/XX/2023 while we are in process and following their requirements for the new loan modification. Nothing they have done to date gives us any faith that they are going to meet their own requirements.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (CA)

I had a phone call from a lady pretending to be XXXX  XXXX saying that she is going to serve me paper and somebody complain about me and I need to call them immediately or I will have a case and I can go to jail and when I call back it was a receptionist gentleman, and I said what company it is and he did not want to tell me it was very very shady and next found out eventually then it was Jefferson Capital debt collector. They lie about the amount of money. It was about {$500.00} and they said XXXX and its all debt, and they arrest me very much at my work phone number.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I am writing to formally dispute certain fraudulent inquiries that have appeared on my credit report. I recently obtained a copy of my credit report from your agency and was alarmed to discover the presence of these unauthorized inquiries.
Consumer complaint received 2023-09-12
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. (FL)

In XXXX, I was the victim of a XXXX  in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MI)

I am a XXXX XXXX AmEx continuously denies my request for SCRA reduction in CC fees. I apply online ; they send me an email rejecting it ; I call them and they open up a service inquiry, then most times they end up honoring the SCRA regulations. Im tired of the run-around and how many other airmen are being incorrectly denied their SCRA benefits? AmEx and XXXX are in a class action lawsuit for this exact reason. I would like to log a complaint against AmEX ; I am just unsure of which entity/company/bureau I should speak with.
Consumer complaint received 2023-09-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group (CO)

Moved in XX/XX/XXXX, spoke to the office manager XXXX to let her know the smoke in the apartment as well the disregard in cleanliness were overwhelming. 
XX/XX/XXXX - Sent a follow up email asking for help to resolve this, heard nothing back. On this day, I bought cleaning supplies for about a XXXX dollars to try and remedy the smell. 
XX/XX/XXXX - Asked the office for help again and did not hear back. 
XX/XX/XXXX - Reached out yet again, received a response that they would credit me the cleaning supplies but nothing to get rid of the smell. Let them know that there were cigarette stains/ burn holes all throughout the bathroom and no response. 
XX/XX/XXXX - After spending months stayed with friends, asked if I could terminate the lease as nothing had been done nor was any other option given to me to not have to live in a smoke filled apartment. Reached out to the office to let them know my mailbox was broken into for the XXXX time as well. 
XXXX XXXX They quoted me the termination fee. 
XX/XX/XXXX - XXXX, Office manager, said I would not have to pay any other additional fees. 
XX/XX/XXXX - XXXX my final bill ( attached below : moveout statement ). Explained that I was moving because conditions were not as promised and nothing had been done, but no response. Never received any notification on an additional bill.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

American Express via CFPB Re : Claim Notice -Amex Account # XXXX. We have been Amex customers for several decades, and have been model customers, always adhering to the terms of my agreements with American Express ( Amex ), and always paying on time. By notice ( the Notice ) on XX/XX/2024, Amex unilaterally closed certain accounts, including the Business Platinum card referenced above ( the Account ) for no valid reason ( vague and ambiguous reason cited : based on our adherence to regulatory guidelines ) while wrongfully retaining annual fees paid by us in good faith. Other than the Notice, at no point in the past 30 years has Amex provided any indication of any deficiency on our part. On the contrary, Amex continued to send us solicitations to open additional accounts and to incentivize doing more business on existing accounts. On XX/XX/2024, Amex billed a renewal annual fee of {$690.00} ( which was promptly paid ) to the Account just weeks prior to Amex unilaterally closing it and Amex keeping the fee. We would not have renewed the card if we knew Amex would cancel after we paid the fee. If Amex did not want to renew the card, it could have canceled the card before billing another {$690.00} fee. Instead, Amex collected the fee and then canceled. We are writing to demand a refund from Amex for the renewal annual fee paid in good faith in reliance on the reasonable expectation of the Account remaining open. We are aware that if this dispute is not resolved to our satisfaction, we may submit the dispute to the XXXX XXXX XXXX or XXXX for mediation within 30 days after sending this notice, or we may submit the dispute for arbitration or litigation. Please be on notice that we intend to pursue litigation if the claim made in this letter is not promptly resolved. Our stated damages will likely be in excess of {$690.00} for reasons and under theories that will be outlined in the complaint. Please remit payment for {$690.00} immediately as reimbursement for the renewal annual fees paid in good faith and wrongfully retained by Amex.
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, 1970, XXXX XXXX. XXXX. )
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

FRCA Violation: address not mine XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: credit card never late XXXX XXXX XXXX XXXX  
FCRA Violation: credit card never late XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine XXXX XXXX  
FCRA Violation: student loans never late
XXXX XXXX

FCRA violation: collection not mine
Original creditor XXXX
Consumer complaint received 2023-04-07
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (FL)

I AM INTRESTED IN DISPUTING ALL UNAUTHORIZED INFORMATION ON MY CREDIT REPORT. MY FILE IS NOT 100 % ACCURATE. PLEASE UPDATE THE INFORMATION CORRECTLY. I AM INTRESTED IN DISPUTING ALL INCORRECT INFORMATION THAT IS HINDERING MY CREDIT PROFILE.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

This is a phishing scam from someone other than XXXX  who is impersonating the company in order to get funds from me. This is in regard to an item in the front of my desk that I have up for sale on XXXX XXXX.
Consumer complaint received 2023-06-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
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. (NC)

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.

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 2023-09-12
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. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2023-09-12
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. (NY)

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.

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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (MI)

I was contacted multiple times throughut the day and when i had a moment to answer the guy on the other end was very rude and called me stupid because i said i couldnt pay the debt he then called me stupid because i didnt recognize the debt and he again called me stupid and stated that they bought the debt and could collect even though i explained my situation. That i was unable to pay any debts as my significant other is suffering from a mental disorder and that it took precedence over paying. also they went around me when i didnt respond the first few times and called my mother and sister whom do not live with me.
Consumer complaint received 2018-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

An account from XXXX XXXX is still reporting on my credit report as an open and active account. I filed chapter XXXX bankruptcy XX/XX/XXXX and discharged on XX/XX/XXXX. I have disputed this with Trans Union several times and nothing has been corrected or updated.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im having a problem with the scoring of my credit my credit scores goes down when my balances is being decreased its happening frequently everytime I pay down a credit card or my car note my credit score goes down by XXXX points which I think its observed This is a copy of my Transunion report and the reason why it went down All cause I made a payment toward my car note We found 1 change to your TransUnion here XXXX Credit score XXXX points since XX/XX/2022 Balance Decreased XXXX XXXX XXXX account balance decreased Between XX/XX/2022 and XX/XX/2022, your XXXX XXXX XXXX XXXX account balance decreased by {$600.00} from {$5300.00} to {$4700.00}. 
Good work! It looks like you paid down your balance. Lowering your total debt can have a positive impact on your score. 
XXXX
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

On XX/XX/2023 and XX/XX/2023, two transactions occurred from my personal savings account at XXXX XXXX. The first transaction was {$700.00} and the next was {$4700.00}. This money went into an account at Chime Bank under my name, but that account was fraudulent.