davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paradigm Assets, LLC (PA)

between XXXX and XXXX I had a credit card with XXXX XXXX. I ended up losing my job and almost all of my debt went to collections. over the last 8 to 10 years I have paid every single one of those debts off. Including the one for XXXX XXXX. When I paid this debt I paid it directly to XXXX XXXX and not to the collection agency at the time. Sense then the debt has been sold off numerous times over the years. When I contacted XXXX XXXX about this issue in XXXX they basically informed me that they had no record of me paying the debt. and beings the debt was so old that they didn't have any info on the matter at all. I was also informed that beings the debt was so old and beings they had already sold the debt off that they really had no interest in the situation at all. I also contacted my credit union that I paid the account from and they also told me the account was too old and they didn't keep records that long. The last letter I received even stated that this debt is too old for them to sue me. Sense then I have tried to contact XXXX XXXX XXXX numerous times and they do not answer there phone. My attorney has written numerous letters and they do not reply to her letters. I have disputed this account numerous times and they do there " investigation '' then reset the account open date. As of right now it says the account was opened in XXXX. But I haven't done bushiness with XXXX XXXX in close to 13 years. XXXX XXXX wouldn't give me a credit card even if I applied for one due to the original collection. At this point I am willing to go to court over this situation but XXXX XXXX XXXX will not even acknowledge my attorney. If they will not provide the information they are legally obligated to provide for the collection how can they keep reporting a collection that is well over XXXX XXXX XXXX? Even if the XXXX date that they state was legit ( even though it is not legit ) that would mean the debt is 5 years old. And that is told old for them to be reporting it.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy federal credit union XXXX  year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made 30days and even 60 days past due with XXXX. Navy Federal is falsely reporting a Charged off Credit Card account thats been delinquent since XX/XX/XXXX XX/XX/XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Consumer complaint received 2024-04-11
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: JPMORGAN CHASE & CO. (OH)

Unauthorized Credit 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
Consumer complaint received 2023-03-25
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. (NY)

A charge offs being listed on my on my credit report. 
1. XXXX XXXX as XXXX charge off. 
2. XXXX XXXX XXXX XXXX as XXXX charge off. 
3. XXXX XXXX  listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with The Fair Credit Reporting Act These accounts on my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX acct XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX have violated my rights. 15 U.S.C. 1681 section 602 A states I have the rights to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an 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 2022-02-17
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. (CA)

I WAS A VICTIM OF IDENTITY THEFT BUT I'M NOT GETTING ANY HELP FROM THE CREDIT BUREAUS. I HAVE TRIED TO SUBMIT MY INFORMATION SEVERAL TIMES BUT THEY KEEP SAYING THE ACCOUNT IS VERIFIED AS BEING MINE.
Consumer complaint received 2023-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (WI)

We currently have XXXX attached to our mortgage payment and we have paid extra each month to get the balance down below XXXX XXXX XXXX. Once we did that I requested to have the XXXX removed from our mortgage and was told that we need to refinance in order to have it removed. 

Our current mortgage rate is XXXX XXXX, so it would be prohibitively expensive to refinance at this time.
Consumer complaint received 2021-01-05
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: CORELOGIC INC (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-05
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. (MI)

XXXX XXXX XXXX is reporting incorrectly to Transunion that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid off in XX/XX/2019 in good standing. This line item should not be reporting any late payments. This false reporting of lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
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. (TX)

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. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments to the account and in fact paid this account complete balance 3yrs ahead of the loan term agreement. XXXX XXXX  Account # XXXX. Please investigate and provide proof with statement showing that this payment was late. If proof can't be provided I demand this account payments to be updated to on time as should be as I was never late. Thanks
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CO)

Over the last 5 months there has been fraudulent charges from random un known to me charges made on my account there was nothing done after filing disputes. Last month they finally issued me a new debit card so I assumed my trouble was done. Then while out of town on XXXX they randomly take out XXXX $ while I am trying to poay for luggage to come back, This was made on the card they were supposed to have cancelled and ever since then I have been on the phone for countless hours begging for my money to be returned and this company doesnt have a valid address a valid phone number nothing. Chime tells me they can take up to XXXX to return my money. How is this legal or possible? Yes i will be transferring banks as soon as my social security deposit drops and i can remove it in time to find a new bank. They are targeting persons who are low income because nobody will do anything about it. I am taking all my records from the last year to have someone review them. Can you please help me in the meantime i have bills to pay that I cant. Thank you so much for your time.
Consumer complaint received 2019-12-17
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. (VA)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-	XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I am experiencing financial hardship due to reduced work hours as the result of COVID-19. I have reached out to USAA on multiple occasions to request extended financial hardship relief through their program. I was approved but then denied. I received a letter stating that I have " submitted the maximum number of relief requests for this financial hardship event ''. It is unfortunate but the restrictions enforced by local/state/federal government are preventing me from working regular hours. The " hardship event '' is still ongoing and affecting me financially. My job has reduced work hours due to clinics being cancelled by our clients. I am in a financial XXXX like countless other Americans. I have maxed out a majority of my credit cards to make ends meet. I have contacted all of my creditors, including USAA to request additional assistance considering the circumstances. I am baking goods to attempt to keep up with bills but it is not enough to cover all of them at the current time. The decision of USAA is unrealistic considering what I, like countless others, are experiencing. The decision is making my situation worse and causing more emotional distress. I am actively seeking employment but work is hard to find. My unemployment benefits were exhausted on XX/XX/2020 and I am in the process of waiting for the state to reinstate my benefits ( which is another hurdle to cross ).
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cawley & Bergmann, LLP (CO)

On XX/XX/2023 I was contacted by Crawley and Bergmann LLC with harassing calls about a debt I told them I wouldn't talk to them anymore and had to send it to me in writing they sent me a letter dated XX/XX/XXXX and I immediately replied to them asking for validation of the debt a copy of the signature and payment history to date I never received anything from them. On XX/XX/XXXX of 2023 I received a letter from XXXX XXXX XXXX XXXX Acknowledging a receipt of my letter disputing the account and requesting additional information, I responded to them on XX/XX/XXXX requesting the same information the original purchase agreement payment history and the application with the wet signature to date I never received anything from them. Approximately XX/XX/XXXX of 2023 they filed a negative collection on my credit report which I disputed XXXX times and they validated it XXXX times. 
On XX/XX/2023 I received a carbon copy of the XX/XX/XXXX letter stating that they were in receipt of my request for verification pursuant to XXXX XXXX XXXX g of the fair debt collection practice act however they still did not provide any documentation but only a summary of the debt. 
On XX/XX/2023 I received a letter from the law firm XXXX XXXX  XXXX XXXX claiming they were collecting for XXXX XXXX XXXX XXXX by filing a lawsuit in XXXX XXXX Colorado I immediately contacted the firm disputed the account and within 30 days they sent me validation of the debt but not the wet application they also upon my request filed a motion to administratively close the lawsuit. I've made multiple attempts to settle and have gotten nowhere to this point excet for the violations of my rights number one with them filing the information back in early XXXX or late XXXX on my credit report which has been injurious to my credit history and filing a lawsuit without the validation neither Cawley & Bergmann LLC, Paradigm or XXXX XXXX XXXX XXXX filed an answer within a reasonable. Time without taking further action and violation of my rights I further learned that paradigm asset recovery did not renew their collection license in Colorado which expired in XXXX of 2023 yet they continued and filed a lawsuit on XX/XX/XXXX through their attorney XXXX XXXX XXXX XXXX I followed all the procedures of the fare credit reporting act and disputing the account and asking for validation and expecting an answer within 30 days which was never received I disputed the errors on the credit report and they were validated by a collection agency that's no longer licensed in my state they filed a lawsuit on a disputed account without providing the validation even though they later made a motion to administratively closed still violating my rights. And in addition I've been irreparably harmed by credit decisions from other creditors in reducing, closing or modifying credit terms because of the disputed account on the credit report which wasn't validated until late XXXX.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

On XX/XX/2020 i logged into my chime account app. I updated my phone number. 30 seconds later i got a message saying my account is locked do to fraudulent activity. I had XXXX left still in my account on XX/XX/2020 when chime decided to close my account permanently. When i called into customer service to find out what happened i was asked for account information to verify my account. I also sent chime a copy of my drivers license, ssn, proof of address and a picture of me holding my drivers license. So i verified everything. How ever. When i call in I'm asked for more information. When i give them the phone number attached to my account they said my account account belongs to a XXXX. Under the privacy an security why would chime tell me another customer 's information?? So i also provided my old cell number. It's mysterious non- existent. So i verify my acct # and routing. Chime tells me it's not my account. I seriously believe chime has illegally tampered with my account an has stolen my money. I've spoken to supervisors on XXXX XXXX and the XXXX. Because they closed my account i can't verify my information no longer. Chime bank is stealing my money an illegally closed an tampered with my account
Consumer complaint received 2022-01-31
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. (FL)

I Have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 3 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-12-27
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. (CO)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Back in XXXX of XXXX, I provided Equifax with multiple documents to show and prove identity theft in my name because Equifax was reporting fraudulent information on my credit profile. Equifax did in fact remove the fraudulent accounts back in XXXX of XXXX. However, Equifax is failing to comply with consumer law and they are reinstating one of the fraudulent accounts under the name of XXXX XXXX XXXX. This account should have been permanently blocked, I have disputed this account twice in XXXX and Equifax is refusing to remove it, even though it never should have been added again! 
Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days Also, Equifax is in direct violation of 15 U.S. Code 1681ni ( B ) ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
Lastly, Equifax is also in direct violation of 15 U.S. Code 1681ni ( B ) ( ii ) Notice to consumer-If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I have made complaints with the Federal Trade Commission and the XXXX XXXX XXXX in addition to this complaint, all in an effort to gain a resolution to this ongoing issue that is affecting my life terribly.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am compelled to write to you regarding an urgent and distressing matter involving my credit account with XXXXXXXX XXXX XXXX XXXXXXXX, which was discharged through XXXX XXXX bankruptcy XX/XX/year>. It has come to my attention that XXXX XXXX XXXX with XXXXXXXX XXXX XXXX XXXX located in XXXX, Ga has been engaging in unauthorized and fraudulent activities by updating this closed account included in my chapter XXXX as an open balance account on my credit report. These updates have occurred on a nearly monthly basis since the accounts legal closure, directly contravening federal laws and the terms of the bankruptcy discharge.Hes been financially bullying and Ive just realized the negative impact its had on my account Hes a big issue and a horrible banker in this community and I do not appreciate the crooked behavior of this banker.