davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the late payment on this XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc. (OR)

In XXXX I made some purchases from XXXX. On XX/XX/XXXX a sectional showed as delivered but I never received it. Perhaps it was stolen I don't know. On XX/XX/XXXX I filed a chargeback with Sofi. I informed them I never received the sectional. XXXX responded with no proof whatsoever that I actually physically received the sectional. 

Sofi, despite having no proof whatsoever that I physically received the sectional ( which was shipped without insurance or signature required ), sided with XXXX. I appealed and originally they refused to look into it but they then re opened the dispute. After another 45 days they closed the dispute again with no evidence whatsoever that I physically received the sectional. 

I provided them with proof that I bought two sofas on XX/XX/26 because I hadn't received the sectional. I offered them a witness who was with me from XXXX non stop and can attest that I never physically received the sectional. I offered them my XXXX where they can clearly see the only two couches in the apartment were the new ones not the sectional. I also offered them proof that I lived in a one bedroom apartment and so it would be extremely difficult to fit a sectional and two sofas. 

In short I offered an insurmountable amount of proof that I never received the sectional. XXXX provided no proof whatsoever that it reached my possession. Per Sofis own terms I am supposed to be protected for goods that do not reach my possession. Simply being delivered does not ensure it reaches someone's possession. Additionally Sofi refuses to send me a pdf of their revised report, although they did confirm there is no actual evidence that I received the sectional.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

I have a milestone credit card through Genesis FS Card Services. I have made multiple payments and I have paid the card off remaining balance on XXXX XXXX. I am also on auto payment plan. On XX/XX/XXXX the payment was reversed but the money was not refunded back to my bank account.On XXXX XXXX I received a text message stating my payment was past due. Upon further investigation into my payment history I noticed multiple payments being reversed but are not being refunded back to my bank account. Another attempt to pay off complete balance was made on XXXX XXXX with the payment being reversed XX/XX/XXXX. So clearly this is not the first time this has happened. On top of all that I am being charged late fees. I called Genesis FS card services on XXXX XXXX and spoke to customer service rep by the name of XXXX. He claims that my claims were reserved due to insufficient funds which is completely inaccurate. XXXX also claims that Genesis can take up to 14 days to take payment, which is also inaccurate especially since the payments are taken from my bank account within 24 hours. This seems to be an ongoing problem with them
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I dispute the credit item under 15 USC 1861 A6 and A7. My legal name is solely XXXX XXXX, not XXXX XXXX. Experian 's refusal to address this issue violates legal standards. Relevant laws must be applied, with emphasis on CFPB regulations. 

Account : XXXX XXXX XXXX  XXXX Account XXXX : XXXX Type : Credit card Opened : XX/XX/XXXX Status : Charged off, {$4500.00} written off, {$4500.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$4500.00} Last Balance Update : XX/XX/XXXX Limit : {$4000.00} Highest Balance : {$4500.00} On Record : Until XX/XX/XXXX Account XXXX XXXX XXXX  Account Number : XXXX Type : - Responsibility : Individual Opened : XX/XX/XXXX Status : No status Status Update : - Balance : - Last Balance Update : - Highest Balance : - Terms : - Account : CREDIT MANAGEMENT, XXXX Account Number : XXXX Type : Collection Responsibility : Individual Opened : XX/XX/XXXX Status : Collection account, {$400.00} past due as of XX/XX/XXXX Status Update : XX/XX/XXXX Balance : {$400.00} Last Balance Update : XX/XX/XXXX Original Balance : {$400.00} Highest Balance : - Terms : 1 Month On Record : Until XX/XX/XXXX Experian 's obstruction of resolution contradicts legal obligations. Action within CFPB guidelines is imperative.
Consumer complaint received 2018-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a account with XXXX XXXX/ XXXX XXXX , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and transunion. XXXX  already deleted this account
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the late payment status reported on the account XXXX XXXX XXXX, XXXX XXXX/XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. See attached screenshots as proof.

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

XXXX & XXXX XXXX brought up an ACT 91 Notice and we will send out to XXXX. We will send out a complaint to CFPB. They havebeen working with XXXX since XX/XX/XXXX first to get a loan modification with XXXX XXXX XXXX and now withNationstar Mortgage. They have been contacted by lawyers to scam them out of their money to pay them @ {$750.00} a month. People keep comingout to take pictures of their house even as we are waiting for an answer to our request for the loan modifications sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Atrial modification was offered on XX/XX/XXXX for XXXX payments of {$730.00} starting on XX/XX/XXXX. XXXX XXXX received a letter dated XX/XX/XXXX sayingNationstar has received their loan modification application and generally take 30 days to evaluate. In a letter dated XX/XX/XXXX Nationstar offered aForbearance Plan and Agreement for 3 months starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at {$520.00} a month. During the Deferral Period they willbe evaluated for the HAMP program. Here we are still waiting to hear a positive response on XX/XX/XXXX.
Consumer complaint received 2023-08-20
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. (AZ)

I reviewed my consumer reports and I notice that I have to late payments on an account that I was never late for. Cosumer reporting agencies have assumed a vital role and have the responsability to report consumer information to the best of their ability with maximun accuracy. I have never been late on payments for this account XXXX XXXX please investigate and provide proof with statments showing that the payment was late. If proof can't be provided I demamd these payments are updated to on time as they should never late.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MD)

I have had TD Bank for a few years now. In   XX/XX/XXXX  the United States  XX/XX/XXXX  me overseas where I was stationed from early  XX/XX/XXXX  until the middle of  XX/XX/XXXX . While Overseas I did not have access to my checking account or online access to notify of any unusual transactions. Upon returning back to America on  XX/XX/XXXX  I called into my bank only to be notified that my account had been closed due to overdraft.
Consumer complaint received 2024-04-05
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (PA)

I initially reported a fraud claim to Barclays Bank in or about XXXX of XXXX. Since that time Barclays has repeatedly failed to correctly handle the fraud claim. In addition Barclays has been reporting my account in default to the credit bureaus for amounts that should have been waived due to fraud. 

At this time there remains XXXX fraud charge of {$36.00} to a XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  that posted on XX/XX/2022. All other fraud amounts have been removed. I don't understand why this amount remains on the account as it has been repeatedly reported to Barclays. And transaction records clearly show I was XXXX XXXX XXXX away from XXXX XXXX at the time of the charge at issue. 

My account has accrued interest and non-payment fees due to Barclays continued failure to properly address this fraud claim.
Consumer complaint received 2023-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Inc. (IL)

A friend asked for a Referral to use SendWave money transfer Service. I provided XXXX XXXX my phone number. He quickly registered and Sendwave sent the acknowledgement asking me to confirm. As soon as we confirmed two separate transactions immediately left my Sendwave account totaling XXXX on XXXX. 
I immediately logged into my Bank Account and froze the Debit card and contacted my bank. With long hold times, I immediately drove to the XXXX XXXX XXXX IL XXXX and spoke with an account manager. 
we did not get the money back but it has been confirmed the money left my account and pending with Sendwave at this time.

The only thing I know at this time is Sendwave stated there is no Guarantee they will be able to do anything to assist I opened up a Fraud Alert with my XXXX bank as this transaction was not authorized to the phillippines. I do not live nor Do I know anyone in the XXXX. 
I use the app. from time to time as I would send money to my family in XXXX. 

There is no security mechanisms and controls in place for apps - I learned never to use a debit card as this is next to impossible getting your money back in the event of a FRAUDULENT Scam. Especially from someone I knew back in Pennsylvania
Consumer complaint received 2021-04-19
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. (AZ)

XX/XX/XXXX I caught a XXXX  for a ride. I lost my cc with XXXX so i called an reported that i lost it. 2 hours later i got a call informing me that i left my cc and DL inside of the XXXX. Unfortunately, I had already reported it lost. A new card was issued to me 10 days later XX/XX/XXXX. Balance transferred to new card and account number. After fighting to explain this to Experian and XXXX  for over 2 years now, it appears that my disputes went uninvestigated. Resulting in a decision of meets FCRA requirements. 
This account was Open XX/XX/XXXX ; 4 months later, it was closed due to the lost cc. A new card was issued with a new account number ending in XXXX. I have 7 missed payments on the account ending in XXXX which is correct. But the old/closed account is also reporting missed payments through XXXX but it was closed. I only have 1 acct with XXXX  and the bureaus should only be reporting on 1 account which is the open account ending in XXXX. This is causing duplicate missed payments on both account when i only missed payments on the new account ending in XXXX. This ongoing year problem has been causing a lot of financial stress when trying to obtain assistance during this pandemic. 

XXXX : Reporting the same account as opening in XX/XX/XXXX but have 8 missed payments on a closed account since XX/XX/XXXX and this account wasn't even open XX/XX/XXXX. This account was opened on XX/XX/XXXX. I am livid with this process and i am tired of disputing the same problem with these bureaus over and over and each one comes back meets FCRA requirements and i would like for you to explain to me how is this possible?
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

On XX/XX/2022 I tried to dispute a background check that this company ran on me. I have not been able to get in contact with the company to update the report. I was on hold for 1 hour and 5 minutes and still no one picked up the call. I was denied a platform from XXXX eats because of what checkr reported back to them and I am not able to get the help I need to have the report corrected.
Consumer complaint received 2023-08-23
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. (FL)

I disputed items on my report because the FCRA says my report must be 100 % accurate and the items are still reporting inaccurate. The credit bureau has failed to do a proper investigation and my rights are being violated
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (NV)

XXXX you wrong information method of verification XXXX use of my information I written in a certified letter to the company, requesting method of verification within XXXX days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXX of Nevada XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy. 

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable to believe that information is inaccurate
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the FCRA this is account violated my rights.

15USC 1681 604 A Section 2 : states a consumer reporting agency Account without my written instructions 15 USC 1681 section 602A : States I have a right to privacy 15 USC 1666B : states a creditor may not treat a payment on a credit card as count under an open consumer credit plan as late for any purpose
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed this mutiple times with exsperian. They attached my credit report without permission. My daughter placed me as an authorized users without me knowing, not using my social. She removed my name and the credit cards company sent a letter stating that it was removed. Exsperian still refuses to remove it from the credit report or change status.
Consumer complaint received 2018-10-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit item was disputed and removed from my Transunion credit file. It then was reinserted at a later date without informing me of this in writing within 5 business days. The collection item is XXXX XXXX from my Transunion Credit file.
Consumer complaint received 2021-04-19
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: EQUIFAX, INC. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.