davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (IL)

I have taken steps to address the issue by bringing forward this false information. I have been victimized by identity theft, and your actions have resulted in significant stress and financial hardship. You have attributed products to me that I did not authorize or possess any accountability for. If you fail to address this complaint appropriately, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have hindered my ability to afford the car of my dreams and provide for my family.
Consumer complaint received 2023-02-24
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-28
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-10-03
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 2023-03-02
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. (UT)

In Accordance with the fair credit reporting act Collections account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

I had several emails asking for proof of deposits from another bank and verify my identity from chime XXXX. When I called customer service they said do not answer that it is a scam we do not have anything called XXXX. This was not true it was XXXX wanting information and to verify my account. I do not know what suspicious activity they have Frozen my account because of I can not talk to anyone that has anything to do with this only customer service it says you'll have to wait we don't know anything and there's nobody you can talk to they only email. I am now Frozen out of a bank account with {$370.00} in it and a savings account with {$3800.00} in it it has been 3 weeks no one can tell me anything they just keep sending asking for more information or the same information to be sent over and over again.
Consumer complaint received 2024-03-28
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. (PA)

I have reviewed my consumer credit report and the company XXXX XXXX has inaccurate information reporting on my consumer report. 
XXXX Account number XXXX stated that there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. 

This account was reported as charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-28
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. (FL)

XXXX XXXX please fix my credit report. I asked you to remove my late fees. You removed them, but you reversed them to other months why did you do that? Thats very fraudulent and thats not cool at all. This was a prepaid credit card I dont owe you nothing and you took money out of my money to pay for your late fees. Please fix this because this is fraudulent and Im gon na be reporting this to the FTC, you didnt do anything but make matters kind of worse
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (NC)

I attempted resolve via XXXX XXXX, but company simply verified account ownership, and added a note to original account regarding dispute. 

According to the FCRA, my rights have been violated on these accounts : 15 USC 1681 Sec 602 ( Right to Privacy ) Items listed on the credit report should NOT report a dollar amount 15 USC 1681 Sec 604-A Sec 2 ( Consent ) Items can NOT be reported without my written consent via wet seal of the original purchasing documentation.

15 USC 1692-B ( Acquisition of Location ) This is not the original collection agency of record.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: The Law Offices of Jennifer McCoy, PC (ME)

XXXX closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used XXXX quite frequently. My email linked to my XXXX is " XXXX ''
Consumer complaint received 2021-04-21
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Late payments reported to the credit bureuas and stated in 15 usc 1666 b, late payments are not to be reported to the cosumers report
Consumer complaint received 2021-04-21
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. (AL)

I demand the deletion of the fraudulent accounts, inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX AUTO FIN on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX ACCEPT on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) 6. XXXX  XXXX AF on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX-XXXX-XXXX/XXXX.

Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

This is the third complaint that I'm filing against this company on how they apply my mortgage payments. As of the time of my writing, I have {$6000.00} in non interest bearing account called " UNAPPLIED PAYMENT '' that they did not apply to my account so that my interest can be reduced. I have called several times- asking them to apply all my monthly excess payments towards principal. So far, they have not done so. I will like to know how my loan can be moved from this loan servicer because they're costing me money and I don't trust them because of their actions so far.

They also charged me {$97.00} for some nonsense that they did not notify me about. Thanks
Consumer complaint received 2023-02-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XXXX XX/XX/2023 XXXX XXXX received {$1100.00} from my bank and deposited the money in their account but they put the amount on hold. The hold was because a discrepancy in the escrow account due to the H06 insurance increased. The correct amount was {$1200.00} therefore, there was a discrepancy of {$110.00}. I never received any e-mail or mail regarding the discrepancy to get my attention. They said they tried to call me, but because the many unsolicited calls I get from XXXX my phone system might have blocked the call. 

I would like to point out that XXXX DO NOT send statements via e-mail or mail. They only send an e-mail with a link saying that documents are available online and do not show any amounts which would have gotten my attention. 

On XXXX I went into the website and I realized that the amount had change. I immediately contacted XXXX and the agent told me to pay {$230.00} ( two months ) to bring the account current. He said to go to the site and pay it, which I did. However, instead of taking only the {$230.00} for the escrow difference the site took {$2700.00}. Which is 2x the {$1200.00} + {$230.00}. I realized this when I got the confirmation e-mail. 

Since then I have been calling XXXX to get my money back to no avail. Please remember that they already had the {$1100.00} from XXXX payment. So in total XXXXXXXX XXXX took from me {$3800.00}. They apply these funds without consulting me and posted on the web portal that my account was paid until XXXX. 

However, the real injury is not that I'm out thousands of dollars but that XXXX also reported my account as delinquent. I had excellent credit before this fiasco but the late payment report took 91 pts from my score. This will greatly affect many areas of my financial life and the ability to get a fair deal on loans for the next 3 years. 

This is totally unfair because there was not LATE PAYMENT. I have called several times and I have spoken to a supervisor and they keep saying that the late payment is correct and there's nothing they can do. The system is designed on their favor
Consumer complaint received 2024-03-28
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. (IL)

I am sending this complaint to address a persistent and troubling issue regarding the incorrect reporting of late payments on my credit report. Despite my numerous attempts to resolve this matter, I have yet to receive a satisfactory response, prompting me to formally dispute and request the prompt removal of these inaccuracies. 
I have been diligently working to rectify this issue, and it is disheartening to see that my previous efforts to communicate and correct the inaccuracies on my credit report have been unsuccessful. I am perplexed as to why my requests have seemingly been disregarded, particularly given my status as a victim of erroneous reportingXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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. (PA)

I have reviewed my consumer credit report and the company XXXX XXXX has inaccurate information reporting on my consumer report. XXXX Account number XXXX stated that there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. This account was reported as charged off on the following date XX/XX/2024. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 XXXX 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.