davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-28
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. (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, Account : 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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-25
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
ITEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

Every single week for the past 6 weeks, my direct deposit has gotten later and later and later. I work for a big company where payroll is done the exact same time every week by the same team. 

We are now in a week where I'm being told " Wed appreciate if you'd just wait a bit '' when I inquire about my deposits that were supposed to already have been in my account. 

What is going on over at Chime?
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-02-27
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. (DE)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XX/XX/2023 ( Original Creditor : ) XXXX Balance : {$73.00} ( Original Creditor : ) XXXX Balance : {$91.00}
Consumer complaint received 2023-02-27
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} Medical XXXX Balance Owed : {$220.00} XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-25
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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, NY XXXX ; XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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. (GA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$170.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$260.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-05
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. (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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovate Managed Holdings, LLC (KS)

Have contacted Innovate Loans multiple times to see why our loan is not showing up on any of the Credit Bureaus. Always told that they can fix it, that there was a glitch in the system. Never get a direct solution. This has been going on since XX/XX/2022.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

Company lied through the CFPB response- sent a bill from almost one year ago as proof that money is owed. Debt had been paid to original creditor a long time ago. I have attached XXXX response letter through CFPB as well as 10 months of bills showing that nothing is owed until XX/XX/06 for my monthly bill.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (PA)

I am not responsible for the debts below, as IQ Data International, failed to provide written contracts for the original creditors existence, agreements, contracts information with balances of {$970.00} Flex Deposit and {$1800.00} XXXX XXXX XXXX IQ Data previously Deleted from XXXX, XX/XX/2023 and transferred debt to XXXX, on XX/XX/20XXXX XXXX XXXX XXXX  for {$1800.00} then also reinserted Flex deposit {$970.00} to my credit profile from IQ Data International Agency has been removed reinserted multiple times, without prior authorization, and written notice to reinvestigate, per 15 U.S code : 1681i d
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I received a call on XXXX. The voice-mail did not provide any details. It just stated that no contact and the case was being escalated. I called the number provided XXXX. The first gentleman was pleasant. Provided conflicting information and our call was disconnected before I could obtain more details. I researched my credit reports and couldn't find anything resembling the account mentioned. I called back and the second man was abusive and rude. Every time I attempted to ask a question about the account, he would interrupt me saying " ma'am this is a debt you owe ''. I attempted again to ask a question and he continued to speak over me. He ended the call by saying " this will proceed to judgment '' and hung up on me. I was trying to explain to him that I didn't recognize the debt. The address they initially referenced was an address that I haven't lived at for over 17 years. None of what they were saying made sense and thus why I was attempting to ask questions. I'm currently enrolled with XXXX for debt relief. Even their reports showed nothing about the alleged account. They claimed they've sent multiple letters to both my current address and the old address. I have received ZERO letters. This is extremely stressful, I have XXXX XXXX and I can literally feel my symptoms beginning to flare.
Consumer complaint received 2023-10-25
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. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. 
Below are the errors I have identified : XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/XXXX I canceled my automatic withdrawal online that was scheduled for XX/XX/XXXX as I was not going to be able to get the funds into my XXXX XXXX and XXXX XXXXXXXX XXXX account in time. I was going to pay on XX/XX/XXXX online from another account. When I went in to pay on the XXXX, I was surprised to see that it showed that payment was made on the XXXX from XXXX. I called Comenity Bank to find out what happened as I no longer had overdraft protection and the transaction should 1 ) never have been initiated 2 ) should have been declined. Neither XXXX or Comenity Bank could tell for sure whether the transaction was declined for about XXXX days. When it was confirmed that it was declined, I made the payment from my other account. Comenity Bank refunded me my fees as a courtesy, I assume because I had attempted to cancel the XXXX pull. However, XXXX has charged me {$60.00} ( XXXX attempted pulls from Comenity ) for overdraft charges. I asked Comenity bank to either credit me for what I believe to be their error, or write a letter to XXXX stating the situation and hopefully XXXX will waive the fees as I feel it not not my fault. A customer service representative and a supervisor from Comenity Bank stated that they would or could not do either and recommended that I send a letter to corporate XXXX. I sent a letter on XX/XX/XXXX stating my situation. On XX/XX/XXXX I received a generic letter dated XX/XX/XXXX from Comenity Bank XXXX in XXXX, OH asking that I call their customer service line. There was nothing mentioned about my particular complaint. In other words, it sounds like I am being sent back to where I began. I did call customer service and as expected, they could not help me. 
There is nothing I could find in any documentation that says or warns that Comenity Bank could pull funds from my XXXX a day early if the scheduled payment date is on a weekend. One representative stated that this is why it may have happened the way it did. My question is if this is legal and if it is legal, where would I find this in my terms or agreement or on their website. I searched all over and anything to do with XXXX pulls only mentions the due date period. 
Help please XXXX XXXX
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-10-25
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-01-30
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-06-26
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (OR)

I applied for and received a hardship forbearance from my mortgage company, Load Depot, for the months between XXXX and XXXX of XXXX due to my XXXX XXXX needing XXXX XXXX following XXXX XXXX and my having to pay for that treatment out of pocket. At the end of the forbearance period, XX/XX/XXXX, I resumed my payments and, under the instructions of Load Depot, applied for a refinance so that the missing payments would not need to be repaid all at once. They approved the refinance by XXXX of that year and I sent in signed paperwork. A tiny typo made them deny it, and then they instructed me on how to reapply. I reapplied immediately, using all of the same information. It took them another 8 months to make the decision to approve my refinance. I made payments every month in that time frame. During that time, they reported my loan as in default. Now the refinance is approved, I'm paying the new monthly mortgage amount, but they have not updated the credit bureaus. My older son got himself into the best XXXX XXXX  in the country and received nearly {$100000.00} in scholarships to attend, but my credit is so damaged that I can't take out school loans to cover the difference. We all made sacrifices to save my younger boy 's life last year, but asking my older son to sacrifice his future is too much. Loan Depot should never have reported me in default. And I should be in good standing to take out loans for my older boy to pursue his dreams.