davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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 am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, TransUnion has not responded to my inquiry, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3600.00} For each of these accounts, I dispute the accuracy of the reported information and request the necessary corrections to be made on my credit report. The details of each account are as follows : XXXX XXXX XXXX XXXX : TransUnion erroneously reports that this account was late. However, I have never been late on any payments for this account. I request that TransUnion corrects or updates this inaccurate information on my credit report accordingly. 
XXXX XXXX XXXX : This account does not belong to me, and I have no association with XXXX XXXX XXXX. Therefore, I request that TransUnion removes this account from my credit report, as it is inaccurately listed.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (VA)

To Whom It May Concern : I recently received a copy of my ( Experian ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MO)

On XX/XX/2022, I received a text message from ph # XXXX advising that Chime was having sweepstakes and to kindly send Yes to confirm Chime Bonus. I did and was immediately locked out of my account. I contacted Chime immediately at XXXX and worked with a rep to reset my password. It was reset and I used my card. I thought everything was fine, so I transferred {$100.00} to my checking account with Chime from my XXXX  XXXX XXXX account as I do every month. 
When Chime received the payment on XX/XX/XXXX, they immediately locked me out of my account and advised me that I needed to send them my driver 's license, front & back, and a selfie showing me holding my ID and a piece of paper with the date, XX/XX/2022 I sent it. They sent me an email that they needed another pic, with the date written/ not typed on paper with a selfie. I did. They rejected that and told me to take another pic, because it wasn't clear. I tried calling the XXXX number, and someone answered, but just held onto the phone, not speaking. I hung up and contacted them on XXXX. They reached out and asked for the same thing.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2023-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I had XXXX on XX/XX/XXXX. USCB has been calling me relentlessly, and I explained to them that I was not going to pay, until my other medical bills had gone through for deductible purposes, and further until I received a detailed accounting of the actual procedures on the actual day of XXXX, as well as all procedures and costs in XXXX. This week I received a letter from UCSB with new and different amounts owed, however, I have still not received a detailed accounting of procedures, costs, and what was actually billed.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MI)

To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my XXXX credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried numerous times to contact this well as XXXX regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I used PayPal to pay for services I did NOT receive. I used My XXXX with PayPal for {$70.00} and neither XXXX or PayPal are doing anything about it! When I contacted the Person to get my money back ( Female last name XXXX, Male XXXX XXXX ( XXXX ), I was threatened with extreme violence, including death threats and asked for more money! PayPal and XXXX hasn't done anything!
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-24
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX OF XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$7500.00} XXXX U S DEPT OF ED/XXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$3900.00} ; U S DEPT OF ED/XXXXXXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$7100.00} ; U S DEPT OF ED/XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF ED/XXXX ( Original creditor XXXX XXXX ) XXXX Balance XXXX {$4000.00} ; U S DEPT OF ED/XXXX ( Original creditor XXXX XXXX  ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXXXXXXXXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX BXXXX 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.
Consumer complaint received 2023-05-23
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. (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. 

XXXX XXXX XXXX : XXXX, 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 2022-12-19
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. (IN)

XXXX, Transunion, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am a natural person and a federally protected consumer. On XX/XX/2021, Equifax received my notarized affidavit that states the federal laws disputing fraudulent and adverse items on my consumer report. The original notarized affidavit is enclosed and it states the federal laws that Equifax has failed to comply with. Equifax negligence has caused me harm, since it has affected my ability to obtain new credit. In pursuant to 15 U.S.Code 1681b, I did not give Equifax written consent to report the listed items on my consumer report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Card Services XXXX XXXX XXXX XXXX XXXX Under XXXX Fair Credit XXXX  XXXX  15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of this letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from you within these 30 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC 1681i ( a ), the items must be deleted immediately. 

I am a natural person and I am pursuing my legal rights under 15 USC 1681n, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Who gave you permission to furnish a consumer report with my personal private information? I did not give Equifax consent to furnish a consumer report with my personal private information. I am demanding that you produce a contract between I and Equifax showing that I granted you the permission to furnish my consumer report. If you have that information, have a senior executive send me a notarized affidavit stating that I granted permission to Equifax to furnish my consumer report. 

Also, pursuant to 15 USC 1681i ( d ) of the Fair Credit Reporting Act, please send me notice of the removal of the inaccurate and adverse items.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act., The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 
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 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,
Consumer complaint received 2019-10-16
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. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2023-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am requesting that EXPERIAN, XXXX, and XXXX remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Need info to show that your violations of the FDCPA will cease immediately Your assigned Debt rules and regulations for the state of Nevada Proof of purchase Proof of contract Privacy Notice Balance, payments, interest rates and payment history with an accounting ledger that shows everything has been documented according to FDCPA. 
Proper service Full account disclosure of alleged debt Chain of custody How you verified this debt? 
You refuse to remove this fraud from my account. I have provided all documentation to show this is fraud These accounts don't belong to me and I have no knowledge of these. 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 Account Number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number xxxx-xxxx-xxxx XXXX XXXX. XXXX XXXX XXXX XXXX Account Number xxxx xxxx xxxx XXXX XXXX. XXXX XXXX XXXX XXXX Account xxxx xxxx xxxx XXXX XXXX. XXXX Account Number xxxx xxxx xxxx XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX Nevada XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Account Number XXXX. 
Different variations of my name and addresses I don't have any knowledge of.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX XXXX XXXXXXXX, has violated my rights. 

In regards to my previous dispute it has been over XXXX days and they have failed to provide the documentation into this investigation. 

The credit agency did not provide any valid proof to deny of my claims. They just validated my complaint that they provided information to the credit collection agency without my explicit written consent. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. If said document can not be provided within XXXX  days these alleged late payments should be removed expeditiously. 

15 USC 1681 Section 602 States I have the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency with my express written consent to do so. Once again creditor did not provide this document with my written consent. Until they can provide this document I reiterate that these allege late payment be removed expeditiously 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not provide any written instructions to any agency to complete this transaction. I am requesting proof of a written signature acknowledging my formal consent. If you can not provide this proof of wet signature, you are obligated to remove all late payments from my credit report within 15 days.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. Creditor violated my right be reporting alleged late payments to your agency which under law they do not have the right to report as a transaction.
Consumer complaint received 2023-02-09
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreatment of inaccurate or unverifiable information. 
If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 

Promptly delete that item of the information from the file of the consumer, or modify the that item of information, as appropriate based on the results of the reinvestigation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.