davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm demanding documentation proving of the 30 day late payment reporting on my credit report for XXXX XXXX. This account was closed in XXXX I have never been late on any payment and this was added in error. MY credit report shows exceptional in no late payments except this error. I demand this is removed. The document Transunion provided just stated they weren't removing the error.
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (PA)

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXwhich is attached, he following items do not belong to me and is a result of fraud that I did not authorize. 
XXXX XXXX XXXX XXXX Past Due Amount : {$1600.00} XXXX XXXX XXXX Past Due Amount : {$420.00} XXXX XXXX XXXX Past Due Amount : {$94.00}
Consumer complaint received 2021-01-12
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. (PA)

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXwhich is attached, he following items do not belong to me and is a result of fraud that I did not authorize. 
XXXX XXXX XXXX XXXX Past Due Amount : {$1600.00} XXXX XXXX XXXX Past Due Amount : {$420.00} XXXX XXXX XXXX Past Due Amount : {$94.00}
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/2020 A letter was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & on XX/XX/2020 a letter was sent to XXXX, XXXX XXXX XXXX XXXX XXXX. Under the cares act it was stated that during the pandemic there is to be no negative reporting to the credit agencies including late fees. I recieved notices and alerts I am being reported for late payments and my score has been affected tremendously. I reached out to the reporting agencies and they refused to help me and ignored a statewide message that was put into law due to COVID -19. I am an XXXX XXXX for a school in XXXX XXXX and everyone know the school systems were shut down half the year last year and partially this year and online schooling is limited or not at all. In order to relieve the financial blow to americans it was said for the creditors and reporting agencies to cease collection activities as jobs were closed and americans suffering with no income due to no fault of ours. They didn't want Americans choosing between feeding their families or paying a bill. We are still in a pandemic and I have asked for forebearances and late payment removals. I suffer from XXXX and this is stressful. I have a daughter and a family I have to support and a mortgage and child care. I am reaching out for clarity because im put in the situation of choosing food over my finances. im not trying to avoid them I just need some help from my creditors until I can get through this crisis and request for them to remove the late payments and not tell the credit agencies to hurt my report and please the legislates that have been passed regarding the debt collections and negative reporting to peoples reports.
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2020 A letter was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, & on XX/XX/2020 a letter was sent to XXXX, XXXX XXXX XXXX XXXX XXXX. Under the cares act it was stated that during the pandemic there is to be no negative reporting to the credit agencies including late fees. I recieved notices and alerts I am being reported for late payments and my score has been affected tremendously. I reached out to the reporting agencies and they refused to help me and ignored a statewide message that was put into law due to COVID -19. I am an XXXX XXXX for a school in XXXX XXXX and everyone know the school systems were shut down half the year last year and partially this year and online schooling is limited or not at all. In order to relieve the financial blow to americans it was said for the creditors and reporting agencies to cease collection activities as jobs were closed and americans suffering with no income due to no fault of ours. They didn't want Americans choosing between feeding their families or paying a bill. We are still in a pandemic and I have asked for forebearances and late payment removals. I suffer from XXXX and this is stressful. I have a daughter and a family I have to support and a mortgage and child care. I am reaching out for clarity because im put in the situation of choosing food over my finances. im not trying to avoid them I just need some help from my creditors until I can get through this crisis and request for them to remove the late payments and not tell the credit agencies to hurt my report and please the legislates that have been passed regarding the debt collections and negative reporting to peoples reports.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

My problem begins with Chime bank this past XX/XX/, 2023 when I received an email from this bank telling me my account was putting on hold because I received a fraud deposit. I was very confused because my only 2 more recently deposit was my work direct deposit and my irs refund check, which I deposit tru the chime app at XX/XX/, 2023. I answer the email and asked what is the issue? After that the nightmare begins. I send every document the inquiry and I call with no clear answer. They just said they cant verify that documents. And they tell me they are not going to give me access to my account or give me my money back. Until this time no answer and I have no money or account.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Credit Bureau used Oscar system instead of getting accurate information from XXXX XXXX  Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX XXXX  and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.
Consumer complaint received 2021-01-12
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (GA)

on XX/XX/2020 I sent a dispute in pursuant 15 USC 1692 to validate an alleged debt. On XXXX XXXX,2020 a notification for my dispute was updated. This does not evidence as validation of debt and I am certainly aware of Admission by slience.
Consumer complaint received 2023-02-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC (TX)

Our information shows : Your Account is now owned by XXXX XXXX from XXXX XXXX XXXX with account number : XXXX This debt is past 7 years debt collection law in state of Texas. If its not, please provide proof of my signature/contract that I signed time, date, etc.. Im getting emails on a daily basis not quite sure how they received my email address that is a form of harassment
Consumer complaint received 2021-01-12
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-12
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. (CA)

In 2009 my wallet was stolen and I have been a victim of identity theft ever since. This person is always able to open accounts in my name. And now that I am actually trying to use my credit I am unable to achieve anything because of all the negative accounts on my report. I have disputed with three credit bureaus as well as the creditors involved.
Consumer complaint received 2023-05-17
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. (NY)

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 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 mentions a consumer reporting agency can not furnish an 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 2023-03-03
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: Experian Information Solutions Inc. (WI)

Back in XX/XX/2022, I told the credit bureaus to verify every piece of information on the accounts listed below. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. These accounts are still not showing 100 % accurate and there are many discrepancies. According to the FCRA 15 USC 1681, everything needs to be 100 % accurate, or it must be removed. I have attached my credit report showing the inaccuracies as well. 

Accounts : XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX and TransUnion are all in direct violation of my federally protected consumer rights under Title 15, Chapter 41. Please see the attached letter sent to each for further details. Pursuant to 15 USC 1681a ( 2 ) ( A ) and 1681a ( 2 ) ( B ) a consumer reporting agency XXXX XXXX XXXX TransUnion XXXX must exclude a report containing information solely as to transactions or experiences between the consumer and the " person '' ( corporation ) making the report and must exclude any authorization or approval of a specific extension of credit directly by the issuer of a credit card or similar device yet each of the three above mentioned consumer reporting agencies have included such information in the consumer report. XXXX  additionally has been using stall tactics by sending notifications that they find my submissions " suspicious '' and refuse to honor my request to delete such information.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. Midland Funding LLC, has violated the Fair Credit Credit Reporting Act and The Fair Debt Collection Practices Act ( FDCPA ) which states : The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages Credit cards Medical debts Other debts mainly for personal, family, or household purposes.
Consumer complaint received 2024-03-22
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. (DE)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-07-28
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: EQUIFAX, INC. (PA)

I applied for a XXXX XXXX XXXX XXXX XXXX account. I called prior to submitting an application for a checking account. I asked if they will run a hard inquiry on any of my reports. The representative told me no, the inquiry would be soft. I was advised if I was applying for a loan or credit card it would be a hard query. When I pulled my Equifax report, I noticed that XXXX XXXX ran a hard inquiry on XX/XX/ I felt mislead my XXXX.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

One the company Captial one charges me for a late payment when it was not actually late ; I had to call and get the late payment removed. However, the late payment went on my credit report and it is incorrect and is the only thing stopping me from getting my home loan. I spoke with them to get it removed but they said it was nothing they can do.
Consumer complaint received 2023-03-03
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. (NY)

I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 
I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 
Your company 's mistake wrecked my credit and reputation. 
Variously. 
Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 
You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. 
This infringed my privacy, which is another offense. 
Before adding this to my report, you never offered me a chance to deny it. 
I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 
Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. 
This attempt will be sent certified. 
As the original creditor, I demand : Account # XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Otherwise, this will cause greater damage.
Consumer complaint received 2023-02-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/XXXX I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency XXXX. I filed a CFP complaint previously and consumer credit agency XXXX responded on XX/XX/XXXX. Consumer credit agency XXXX stated that they sent the letter to creditor Bank of America to verify the accuracy of the information sent. Creditor bank of America responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did XXXX blatantly disregard my rights and allow this account by the bank of America to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency XXXX failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights XXXX please stop violating my right I will have no other juice but to take legal action against you XXXX and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
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: EQUIFAX, INC. (SC)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-22
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. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.