davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

XX/XX/31 i disputed charges ... .ONE DAY LATER it was denied not even long enough to investigate. i had over XXXX taken off my card while my phone was broken and now me and my kids nay not be able to get into our place we needed this for the down payment
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope this letter finds you well. I am writing to dispute inaccurate information that is currently being reported in my credit report by your agency. I believe that my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) are being violated due to the presence of late payments on my credit report for the following accounts : ACCOUNT NAME- XXXX ACCOUNT NUMBER- XXXX INACCURATE LATE PAYMENT REMARKS DATE- XX/XX/2023 Late 30 days, XX/XX/2023 Late 30 days The inaccuracies stem from a violation of several key provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section of the law asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : It is my understanding that a consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section explicitly excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report.

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision. 

Given the clear violations of my rights under the Fair Credit Reporting Act, I request that you take immediate action to correct these inaccuracies in my credit report. Specifically, I demand that all late payments for the accounts mentioned above be updated to " Paid as Agreed/Never Late '' without delay.

Please investigate this matter promptly and provide me with written confirmation of the corrections made to my credit report. I understand that you have 30 days from the receipt of this letter to complete your investigation, as mandated by the Fair Credit Reporting Act.

Failure to take corrective action within the stipulated time frame will leave me with no choice but to pursue legal actions to protect my rights under federal law. I trust that it will not come to that, and your agency will promptly rectify these inaccuracies.

I appreciate your immediate attention to this matter and look forward to a swift resolution. You may contact me at the phone number or email address provided above should you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-28
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. (GA)

I want to make a complaint against transunion, XXXX and XXXX I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues
Consumer complaint received 2022-05-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX Balance Owed : {$0.00} EXPERIAN Collection : XXXX Balance Owed : {$2100.00} XXXX Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Collection : XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX Balance Owed : {$0.00} XXXX Collection : XXXX Balance Owed : {$2100.00} XXXX Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 EQUIFAX Collection : XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Collection : XXXX Balance Owed : {$2100.00} XXXX IN Balance Owed : {$100.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX 'S XXXX Balance Owed : {$110.00} XXXX  Balance Owed : {$0.00} XXXX Collection : XXXX  Balance Owed : {$2100.00} XXXX  Balance Owed : {$0.00} Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Collection : XXXX  Balance Owed : {$0.00}
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Chase blocked my business account from wiring due to an internal coding error on the account. I was unable to execute a time-sensitive wire despite having available funds to do so. Despite being in the branch and the bank manager pressing the Chase back office to help, Chase ignored the request and failed to acknowledge the time sensitivity of my investment funding.
Consumer complaint received 2022-05-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Barrett Financial Group, L.L.C. (IN)

On XX/XX/22 I put $ XXXX down to purchase a house the realtor had me sign an appraisal waiver without discussing comps with me or putting a little on what I would pay above appraisal. The appraisal came in $ XXXX short of the agreed upon purchase price. I dont have the cash to close Im not a millionaire now Im being told Im going to lose my $ XXXX. Please help me get this resolved.
Consumer complaint received 2022-05-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX Balance Owed : {$10000.00} XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed XXXX {$10000.00XXXX XXXX XXXX  Balance Owed XXXX {$150000.00} XXXX XXXX XXXX XX/XX/XXXX Collection XXXX  Balance Owed : {$1100.00} XXXX  Balance Owed : {$730.00} XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2022-05-28
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: CarMax, Inc. (MN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Hi I am in arrears on my mortgage while i had a drastic reduction in income, since then i am working full time, my wife is working as a source of other income and ive obtained my brother in laws help as a renter to help us pay the mortgage. Ive been working with  XXXX  / Bayview loans  for what i believe 3 years on a modification. My math says we can afford to pay the new higher loan with the arrears. They keep stalling on an answer, meanwhile they got a judgement to forclose. Now we, my wife and children, are panicking and  Bayview  is not really giving me an answer here, so i do n't know what to do.   My loan number is  XXXX  with Bayview
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (LA)

I have called XXXX several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to XXXX back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (LA)

I have called XXXX several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to XXXX back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.
Consumer complaint received 2019-11-25
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: Navient Solutions, LLC. (NV)

I was in deferment since XX/XX/XXXX. Navient is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with XXXX as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XX/XX/XXXX, XXXX, and Navient all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.
Consumer complaint received 2022-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have called XXXX several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to XXXX back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (RI)

On XX/XX/2022, Elan Financial sent a letter stating that they were closing my account. When I called, they stated that they did not have to advise me of the reason. They also stated that they did not have to identify the name of the credit reporting agency they used in declining me credit. 

Pursuant to the Fair Credit Reporting Act and the Equal Credit Opportunity Act, Elan Financial must disclose to me the identity of all consumer reports that were utilized in performing an adverse action against me. In addition, they are required to comply with the ECOA 's disclosure requirements.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (NY)

XX/XX/2024 mobile deposited a valid check for a valid check amount {$75.00} issued by XXXX XXXX XXXX XXXX. Received an email that check was rejected : " We were unable to verify the check submitted. This can happen for a variety of reasons, but typically this is due to the issuer or remitter not being able to verify the details on the check. This check has not been cashed and you can still attempt to cash it with someone else, but do not attempt to redeposit it to your Chime Checking Account. '' Called and eventually spoke to a representative after navigating various menus. Representative repeated the above message with no additional information. After asking calmly and politely for a supervisor I was put on hold and then disconnected.
Consumer complaint received 2022-05-27
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)

n accordance with the Fair Credit Reporting act 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 Untitled { , Collection/Chargeoff , Medical Subject has not satisfied debt. } 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
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

I filed a bankruptcy on 2017 and did not include mortgage in bankruptcy. They added attorneys fees on to my mortgage {$2000.00}. According to the creditors breakdown there were 2 checks sent total of XXXX and XXXX. I was unaware of the claim from Midland. I called and the person could not help me. I was told that payment does not have telephone and he could not them. 
I have been struggle through COVID to make my account current and this money has there this whole time.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc (HI)

XXXX failed to Take off a Fraudulent Address, stating that the Company Affirm Inc . Verified this address, there fore it was valid. Affirm XXXX authorized a Fraudulent charge to my Name and has no authority to keep this address that I have NEVER lived at nor have any association with on my credit report.
Consumer complaint received 2023-04-19
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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
Consumer complaint received 2022-11-07
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. (TX)

In accordance with fair credit reporting act convergent accounts bellow 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 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 2022-05-27
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account 1. XXXXXXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXXXXXX XXXX Account NumberXXXX 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
Consumer complaint received 2024-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I am writing to file a formal complaint against NCB Management Services Incorporated and XXXX XXXX XXXX regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). 

NCB XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to XXXX XXXX XXXX under their name. However, I want to make it abundantly clear that I have no active accounts open with XXXX XXXX XXXX, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. 

The actions of NCB XXXX XXXX XXXX and XXXX XXXX XXXX have flagrantly violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. 

I want to emphasize that I have never engaged in any business dealings or solicited services from NCB Management Services Incorporated. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.
Consumer complaint received 2022-05-27
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account 1. XXXXXXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 4. XXXX XXXX XXXX Account NumberXXXX 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