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: 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. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OR)

I repeteadly use mobile deposit for my payroll checks. The last deposit check as placed on a hold after the check was accepted so the app didnt give me the opportunity to cancel the deposit so I could go to the issuing bank to cash my payroll check. After many calls the bank was unable to give me the specific hold reason, and claimed that in the last three weeks they changed their rules for deposits and thats why even though this is the same transaction I do every three weeks the check was placed on the maximum hold time allowed of 5 days. I went to the issuing bank and they gave me receipt that the issuing bank has already funded the transaction. But still after three business days of the deposit XXXX  % of my deposit has become available. I called the bank again and they said that the full amount will be available at the XXXX business day which is XX/XX/2022. I tried to reason with them that this is the same employer and same transaction Ive been making for about 5-6 months that there is no reason to place a hold ( never specified type of hold even though I asked ) But they still claim change of rules. I requested to be given a copy of the letter, email or notification of this change of rule and they said no such notification was provided to customers.
Consumer complaint received 2022-12-12
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: General Motors Financial Company, Inc. (AL)

In accordance witht the FCRA GM Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-09
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 XXXX Account DEPTEDXXXX XXXX  XXXX, US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) account # XXXX, XXXX, XXXX, XXXX account name XXXXXXXX XXXX XXXX XXXXXXXX account 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 an account without my written instructions
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The eviction is not correct and the amount is not correct that I owe. The writ is not true. 
XXXXXXXX XXXX XXXX shows I owe XXXX, and that was paid. 
XXXXXXXX XXXX XXXX XXXX processed an eviction and a writ of judgement but that is also incorrect. I think the amount showing is XXXX for that also.
Consumer complaint received 2022-10-20
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. (AZ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following ITEMS as they are fraudulent & were opened without my consent or knowledge Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from alleged identity theft. I do not consent to XXXX or any means of automated verification. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX ;
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (OH)

I have two collections on my credit report from a company called Capio Partners. I have received NO communication from them in regards to these bills. I disputed with XXXX and my dispute was denied because Capio siad it is legit, even though I have never received documents from them. The name of the collection agency does not even show up as Capio, it shows up as a law office. I have had the same phone number for 12 years and I have lived in my home for 4 years. After doing investigating on my own I discovered these two bills were from a facility I visited 2 years ago. The facility was sending the bills to the wrong address and due to THEIR error these two accounts were not placed on our payment plan we've had with them for over a year. We were sent to collections with another company and disputed because we thought we were on a payment plan with XXXX XXXX XXXX believe that company was called Asset Care. And per their supervisor department their rep XXXX did not follow procedure and this account was removed from my credit while an ivestigation was done. We received documentation in XXXX that this was still being investigated. We never heard from Asset Care again. I have never received a document, an email, a phone call or anything from Capio. My wife had an issue with them several years back for doing the exact same thing and filed a complaint. I stay on top of my credit and if I have something due I pay it. But if you don't contact me to tell me I have an outstanding balance what am I supposed to do. After reading several other complaints it seems this is the way this company operates. Why does my credit report say this is in collections with an attorney, but the actual company is Capio? This is unfair and had dropped my credit score by XXXX points!
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have pulled my report and there is an account reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on this account. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MS)

On XX/XX/2023 I got my work check deposited into my Chime account in the amount of {$480.00}. I was planning to save my money for a car so I put {$300.00} in my Chime savings account after transferring {$100.00} to my XXXX. On that same night they closed my Savings account and my checking account. Afterwards Chime emailed me that they had agreed to close my account for going against deposit guidelines but would refund me any money I had left on the account balance. I reached out to the chime support services via phone and they said I had to send in documents ( They didn't specify what documents until a month after ) which I did. They stated that my Deposit went against their guidelines and they can't refund me my money which isn't true. I responded If Chime knew my deposit went against their guidelines why would they accept it in the first place, that's sketchy. I've been fighting for my money for over 5 months and still at step 1. I stated to my family lawyer that I was struggling financially due to Chime snatching my money and closing my account. I've even sent my check stubs as proof and they still have a hold on my funds. I've heard others having the same problem but never took it to heed until it happened to me. Now I'm in distraught and disbelief that a company would even do this to someone who was already suffering financially at that time. My lawyer advised me to report it to CFPB before going any further with a legal team.
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: Experian Information Solutions Inc. (CA)

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

XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 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 on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I would like to start by informing you that when I started this process there were no selections for my specific situation, so I chose the closest ones that matched and will elaborate here. On XX/XX/22, I filed a claim with Capital One after being scammed by a paralegal to whom I paid {$1600.00} for legal aid in my child custody case. Immediately after I paid the fee, the paralegal dropped all communication with me. More than two months after filing my claim with Capital One, and after numerous conversations with it's Representatives during that time, I have still been unable to reach a person who can help me with my case. I have been personally victimized, and I am very sad to say that this is a straight forward scam situation. There should be some protocol for situations such as mine. With all the hours I have patiently spent on the phone with Capital One reps, not one person can competently take the necessary steps to resolve my case, or at bare minimum, comprehend the severity of the situation and the impact it is having on a mother of XXXX going through a XXXX. I must point out that none of the representative I have spoken with speak English fluently and I know that they are unable to understand me. Because of their inability to understand my words, I have been passed around to the same two departments, Customer Service and Disputes over the past two months. On XX/XX/22, I submitted supporting documentation to Capital One. On XX/XX/22 I called to follow up and I was informed that my info wasn't received, so I resent it that same day. During the conversation which took place the same day, I was told that no changes would be made to my account and my items would be reviewed. On XX/XX/22 Capital One withdrew {$1600.00} from my account, without notice or my knowledge, leaving me with a NEGATIVE balance of - {$1600.00} and in danger of my account being closed, likely also without notice. I would like to speak to someone in a supervisory position who can help to correct this negative balance to maintain my account, and to discuss how Capital One can assure me that everything is being done to handle my sensitive case so that this scam situation isn't repeated.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have called Transunion, XXXX and XXXX numerous of times throughout this XXXX documented and recorded also have sent over dispute letters and asked them to remove all unauthorized inquiries ; I have also informed credit bureaus that I have an identity theft alert on my account due to several attempts of my credit being ran for loans, credit cards and other line of credit using my social and information without my consent ; Due to these outrageous instances this has limited me on refinancing and home purchasing goals. I have filed a XXXX XXXX indicating that my suspicion on XXXX XXXX  doing this vindictive tactics and that I wanted to make sure this was taken serious or aware of due to this reason. 

The accounts listed below in my Transunion report are considered fraud or unauthorized and should not have any reflection or mark on my account. I would like to demand of them removed. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, FL XXXXthere should be no other names or addresses on my consumer file. My employer is XXXX XXXX, XXXX there should be no other employment information on my consumer file. 

( 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.
Consumer complaint received 2022-12-09
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. (IL)

I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
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 XXXXXXXX ( these is an open account but reporting inaccurate so remove please )
Consumer complaint received 2018-12-05
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. (ID)

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX   to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (NE)

I have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle. 


I have waited a whole year since my last complaint and I am still in the same the position nothing has changed I think this is more than enough time
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX is attempting to collect a debt that I do not owe. I took out a loan at XXXX XXXX  and decided to not go through with the procedure. I emailed XXXX XXXX and received a email, confirming that the loan was canceled.
Consumer complaint received 2022-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.
Consumer complaint received 2022-11-25
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. (TN)

The collection agency is blaming you and you are blaming them. I have not gotten any results with your actions. I will like for you to investigate this matter to the full extent. Read the documentation I have attached. I would like to be compensated XXXX per violation about this XXXX XXXX XXXX XXXX XXXX Date Opened, Date Reported, Date Last Active should be the same. 15 USC 1681 states, " 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. '' Yall both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of e-oscar are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when are yall going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation.
Consumer complaint received 2022-12-12
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. (OH)

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. it also shows that this company have sold my info to numerous 3rd parties. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (UT)

I received an email from True accord crop, about a XXXX XXXX  bill with practically no information other than to dispute or set up payments l. This debt is not mine as I was in bankruptcy and can not open a new account during the time frame. The email has several links and non of them work.