davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute letter to XXXX and TransUnion on XXXX disputing the information listed in my credit report. It has been well over 30 days and I have yet to hear from either Bureau agreeing to remove this information off of my credit report. I then sent a second letter Demand to Comply Certified to respond and remove because of the 30 days.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc (LA)

I opened a chime account in XXXX MIND YOU Ive never used the account.. I downloaded the app received the card AND EVERYTHING!! so when I went back one day to check the account it was LOCKED never even made a transaction so I called in to see why they said I needed to further verify my identity .. so I sunt in the documents XX/XX/XXXX!!! Its goin on XXXX and my account is still locked!! Im heated because why lock an account hat hasnt even been touched!! Then false advertising like yall reach back in XX/XX/48 hours BUT THEY DONT ITS BEEN 2 months on going and the account is STILL XXXX LOCKED
Consumer complaint received 2021-03-12
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)

I was reviewing my TransUnion report and noticed that multiple phone numbers were incorrect, a nickname was listed for me with a different last name, and the name of my current employer is incorrect. 

My current Employers name is spelled wrong and they are still listing my first job from 7 years ago as my employment. 

In addition, in XX/XX/XXXX, my identity was stolen. My social security number, name, and debit card were used by XXXX XXXX to open an account for someone. One of the phone numbers with the ( XX/XX/XXXX ) area code are listed as being my phone number. 

That is incorrect and despite reporting this to TransUnion, they have evidence confirming this is a phone number of mine. That is simply not the case. I have had the same phone number for 15 years. 

I would really my phone number and employer information corrected. I would also like my nickname to be removed because it is incorrect. 

I am happy to provide any evidence.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (LA)

Someone stole my information. And open up a apartment in my name in XXXX texas. The name of then is XXXX XXXX  XXXX XXXX. I found out because I was trying to get a place to stay and it came on my credit report. I never stayed in texas a day in my life, for the same company they also used my information for there electric bill called XXXX XXXX XXXX. I have tried to dispute the charges but nothing is being resolved. I have filled a police report and a Identity theft form .someone has access to my social security number and is using it opening up accounts under my name can someone please help thank you
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts 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 Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Consumer complaint received 2023-01-16
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

I got a XXXX personal loan from one main financial the apr was a little high it says on my report I never made a payment when I did on time every month for a while until I enrolled into the clear one advantage debt relief program. The main reason I enrolled in this program was I called the next month and my balance was XXXX and some odd cents my balanced doubled in one month I felt very stupid and niave because I was very young and was trying to pay off my cards and just have one payment. I was so taken back by the amount doubling in that short of time. So I panicked and enrolled in the debt relief program. Who took my money and never settles anything and let all my accounts get severely behind.
Consumer complaint received 2020-03-12
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: Innovis (OH)

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL  MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Jennifer McCoy, PC (GA)

XXXX XXXX XXXX XXXX XXXX unauthorized and fraudulently placed an item on my report that does not belong to me. I do not know this company and have no knowledge of any debt owed to this company.
Consumer complaint received 2021-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-02-24
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. (MS)

According to the Fair Credit Reporting Act 15USC1681 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX and Experian are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared per 15USC6801 which also states " It is the policy of the Congress that each financial institution has an obligation to respect the privacy of its costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. Neither of the three reporting agencies have requested nor received my written consent to furnish any information to my consumer report. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Experian nor XXXX informed me of my right to exercise the nondisclosure option. 
USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' Several of the reported accounts are adverse items they are reporting without my permission which is against the law. 
15USC168c states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. None of the reporting agencies are maintaining reasonable procedures.

15USC1681 ( a ) ( 2 ) states a consumer report DOES NOT include ( i ) transactions or experiences between the consumer and the person making the report. I have several late payment transactions reporting on my consumer report which adds another violation.

15USC1681 ( 3 ) Restriction of sharing of medical info.

( a ) medical info ( b ) list or description based on payment transactions of consumer for medical products or services.

15USC1681n " Any person who willfully fails to comply with respect to any consumer is liable to that consumer in an amount equal to ( 1 ) ( a ) damages sustained by consumer as a result of the failure of damages less than {$100.00}, but not more than {$1000.00} ( b ) 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}, whichever is greater.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as PAANL status ( Paid as Agreed Never Late ).
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-03-12
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. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX I XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2020-03-12
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. (WA)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-03-12
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: LEXISNEXIS (OH)

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (MO)

On XX/XX/XXXX I went to a Dealership at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Consumer complaint received 2021-03-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (OH)

I contacted Early Warning about getting a copy of consumer report. I filled out necessary application and faxed it to XXXX XXXX XXXX on XXXX. That same day, I went through verification over the phone to get a copy of the report in which Early warning asked me multiple questions about my credit, sent me a link to scan the back of my drivers license, had me verify my social, my home address and multiple other credit history info. Still, to date ... .no report by email or mail. 

I explained to the representative at EWS that I had pulled a recent XXXX  XXXX report and found multiple inaccuracies such as payday loan inquires and bank inquiries in different states which i do not live in .... 

He told me he would send me info about Identity theft ... Which, again, I never received. Honestly, I am starting to question whether EWS is even a real company at this point??? 

I would like CFPB to step in here and find out where my report is at this point.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (MO)

On XX/XX/XXXX I went to a Dealership at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Consumer complaint received 2021-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AmeriCash Holding LLC (WI)

This company has made an attempt to sue me for a debt in which the statute has passed. In investigating them I learned that they are crooked and fraudulent people under the guise of lawyers. They need to be investigated and disbarred and the company shut down
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (UT)

On XX/XX/XXXX CLM contacted my ex-husband regarding a collections account that I do not recognize and have asked for documentation regarding. No documentation has been provided just text messages regarding the agency 's willingness to settle the account for less than half. CLM is saying my XXXX loan for {$1500.00} has been transferred to CLM and they are willing to settle the account for {$780.00}. I do not recognize XXXX at all and would like documentation regarding this debt. I would also like CLM to stop sending text messages to my ex-husband and anyone else.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX XXXX {$400.00} not mine
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2018-10-04
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: Certegy Holdings, LLC (IN)

I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (CA)

I have had a western union account for 2 years and a transaction in XX/XX/2022. When I tried to make a transaction 4 days ago my account had been deleted and all bank & personnel information was lost along with rewards for deducting fees for bank transactions. They have not been able to resolve any of the above issues. I didnt ask for my access to be deleted and sent them photo copies of past transactions but still cant resolve my issues. 
XXXX XXXX XXXX # XXXX