davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (OH)

On XX/XX/2023 my chime account was hacked my email and phone number was changed on my account my savings was emptied my money was transferred to my checking and sent to XXXX different cash app accounts by the name of XXXX and XXXX XXXX in the amount of XXXX I have filed two disputes with chime both of which has been denied I have sent a police report along with screen shots of email and phone number that was used that did not belong to me I have been calling chime non stop trying to get my money back I filed to have the dispute reopened for the third time no one is helping me get my money back I went as far as filing a XXXX  complaint and also reaching out to a lawyer today I just want my money back
Consumer complaint received 2023-05-08
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$370000.00}
Consumer complaint received 2023-03-01
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-27
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)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-10
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: Advance America, Cash Advance Centers, Inc. (TN)

What language is being used regarding such XXXX? Is it XXXX XXXX, XXXX Manual of Styles or XXXX XXXX XXXX? 

In reference to claim number XXXX submitted to the consumer financial protection bureau provide proof the this company is in fact in the business of purchasing securities. Theres no such thing as finding lenders to give the Natural Living Man the credit that he deserves when hes who extends credit to corporations. Man has the security interest in the promissory note which is owed to him because Corporations are bankrupt under the emergency banking act and have been since 1933 and pursuant to 18 U.S.C. 8- debts are obligations that employees of the United States Corporation must discharge. Therefore theres no such thing as debt and its Natural Living Man who holds the credits. Theres no lawful money if so than the Corporations must compensate the Natural Living. Corporations have privileges which can only be granted by the Natural Living and Corporations can only deal with other Corporations. Thus why the All Capital Pseudonym was created by employees of a Private Corporations that handles non public information which is being passed around and used by way of the act of conversion which is not only illegal but does not benefit the Natural Living Man whos the beneficiary and number holder.
Consumer complaint received 2023-01-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters
Consumer complaint received 2023-08-13
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. (PA)

ON MY XXXX REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX 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 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

Hello, I have called the company in efforts to resolve this. I was charged a late fee on XX/XX/XXXX in the amount of {$37.00}. The problem is that I made a payment on XX/XX/XXXX. This payment did not apply to the previous cycle and fell within that cycle, so why then was I charged a fee in XX/XX/XXXX and XX/XX/XXXX?  The fee charged in the amount of XXXX is in error and should be credited. The representative on the phone would not listen and could not present information as to why this happened. I asked to speak to a manager and was told one would call me back. I have not heard anything back at this time. 

XXXX XXXX
Consumer complaint received 2023-01-10
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. (NY)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( 3 ) your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. You have failed at your initial investigation of this information and assumed a role and assumed this information was valid which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) you did not ensure this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You chose to only get one side of the story and because of your actions my privacy has been breached and this is a violation of my RIGHT TO PRIVACY.
Consumer complaint received 2023-03-01
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. (PA)

Months ago, I have sent a letter to the XXXX credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items deleted in my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

THE FOLLOWING ACCOUNTS ARE UNVERIFABLE AND INACCURATE : 1 ) XXXX Partial Acct XXXX XXXX  .... 
2 ) XXXX XXXX XXXX Partial Acct XXXX XXXX .... 
3 ) XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
I HAVE REACHED OUT TO EACH OF THESE COMPANIES AND REQUESTED THEM TO VERIFY THESE ACCOUNTS. WHICH THEY FAILED TO DO. I ASKED THAT PROVIDE ME WITH SOME DOCUMENT BEARING MY SIGNATURE AS PROOF OF ME BEING RESPONSIBILE FOR THE DEBT AND THEY HAVE ALL FAILED TO PROVIDE ME WITH SUCH DOCUMENTATION. THEREFORE, MAKING THE ACCOUNTS LISTED ABOVE UNVERIFIABLE. IT IS TO MY UNDERSTANDING THAT REPORTING INACCURATE OR UNVERIFIABLE INFORMATION IS A VIOLATION OF MY RIGHTS ACCORDING TO THE FCRA.
Consumer complaint received 2023-01-24
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, 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 on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my account. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : SYNCB/XXXX  XXXXXXXX. 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Consumer complaint received 2023-05-04
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. (MI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-05-04
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$900.00} XX/XX/XXXX
Consumer complaint received 2023-05-22
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. (OH)

I have sent XXXX... Certified mail with my complaints .... I even filed several complaints with the CFPB ... with the same issues and they did nothing. Under 15 USC 1681 i have the right to privacy, and I did not give XXXX, Equifax, or, XXXX written permission to report any of these items. under 15 USC 1681 602 ( 4 ) 604 ( A ) 623..This federal law spells out the duties of a data Furnisher..Under these standing laws ... these bureaus are acting Misleading, and fraudulent by continuing to report fraudulent and misleading items on my bureaus ... All the following items must be removed, because of the fraudulent acts ... and there inaccuracies. they are the following ; XXXXXXXX XXXX  ... XXXX XXXX XXXX XXXX XXXX XXXX is still reporting my XXXX XXXX... they are using a XXXX party data provider XXXX XXXX, or organizations like that to obtain information..illegal ! The courts do not provide any information. XXXX XXXX XXXX is still reporting on these bureaus..I had GAP INSURANCE, so the debt was paid and should report accordingly! Last, these hard inquiries should be removed because these fraudlulent.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . all names and addresses, jobs that doesn't match my current information must be removed
Consumer complaint received 2023-03-01
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. (TX)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, correction, or removal of the following erroneous information on my credit report. I'm looking forward that these will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
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: EQUIFAX, INC. (CA)

Equifax is reporting an account with the " LAST DAY ACTIVE '' as XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX so which one is it??? IF both companies are reporting accurately the how are the dates different? If the information comes from the same source how could they be reporting differently??
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I opened a loan with XXXX XXXX XXXX on XX/XX/XXXX. This was reporting to my credit bueuas up untill around XXXX of XXXX and then they suddenly removed it from all of my credit burea reports. I paid the loan off early in XXXX of XXXX as my maturity date wasnt untill XXXX of XXXX. When I went to get another vehicle loan I was advised that it was not showing on my report. I went back and did some research and saw the last time it was report was XXXX of XXXX. I contacted XXXX XXXX XXXX today and they said they would not report it. That they removed alot of loans from the bueas due to covid but i was paying on time and had not requested them to do this. They refused to report my payment history for the last XXXX  years back on my credit report. They said they could send me a paid in full letter but this does not help my credit score and history. They have been negativly impacting me for over 2 years now. The fact that they did this with some clients as they claim not all also makes me feel like they have discriminated on myself as a XXXX man and maybe others. I did not think it was legal for them to do this to some clients and not all. I want this reported on my credit report imideiate so that my score and my overall history refects the payments and efferts i have made.
Consumer complaint received 2023-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Equifax told me that the bankruptcy information that they are reporting on my credit file was provided to them by the court house but that isnt true, I called the courthouse and they told me that they do not provide any bankruptcy information to any of the credit bureaus, now for some reason, equifax keeps telling me that they have been able to verify this bankruptcy, if that is true then I would like the name of the person that they spoke to at the courthouse and also the phone number of the same person, I would also like equifax to provide me with any information that they have from the court house, proving that they provided this bankruptcy information to them. I received a letter from the courthouse that tells me equifax is lying when they tell me that they have verified the bankruptcy. 
Equifax does not need to verify my identity because I have provided them with the last 4 numbers of my social security number, my home address and my date of birth, also I am providing them with a copy of my identification, and a copy of my social security card, I know that this company uses these type of tactics to never remove what is inaccurate on a credit report because they get paid for it and it is illegal that equifax provided my personal information including this public record to my current employer, by law they cant do that, I have never given them authorization to provide anyone with my personal information. This company does these type of illegal things and it makes me wonder about what else it is that they do with peoples personal information.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

XXXX, and Equifax, According to the Fair Credit Reporting act, the collection account below Account name XXXX Account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the information is also inaccurate and reports incorrectly, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 
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.