davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$650.00}
Consumer complaint received 2023-06-29
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 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 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 2023-06-29
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. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Chime Financial Inc (NE)

On XX/XX/2023 I had a charge of {$60.00} from " XXXX XXXX '', after checking my wallet to see my card still sitting in it's spot I convinced myself that I must have bought something and forgotten about it. On XX/XX/2023 I had three charges ; {$130.00} from XXXX, {$230.00} from XXXX, and {$34.00} from XXXXXXXX XXXX XXXX. I immediately turned my debit card off and filed a dispute on XX/XX/23. Within a few days my dispute was denied so onXX/XX/23  I called Chime to see why the dispute was denied, they would not tell me why but said they would reopen my dispute for a second review. I did not hear a response so today,XX/XX/23, I called again asking what the status was. I was told the second dispute was denied and they could not tell me over the phone why and they told me I would not be refunded any of the money that was disputed.
Consumer complaint received 2024-02-07
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)

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open account with the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The account in question was opened, and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Initial contact was made with your customer service department to report the late open account and request corrections. 

Follow-up communication was initiated to inquire about the status of the correction process. 

Despite previous assurances, no significant progress had been made, prompting further communication and a detailed explanation of the losses incurred due to the delays. 

Additional attempts were made to escalate the matter within your organization, seeking a more expedited resolution. 

Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open account and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assistance tothe account in my credit file : XXXX XXXX XXXX Balance Owed : {$270000.00}.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account has been removed from my report between XXXX but was reported in XXXX of 2016 by the creditor. My complaint towards Transunion and XXXX XXXX is that they have reported an account that was removed completely from my credit report. My understanding is that once something is removed, which the team at XXXX XXXX XXXX has accomplished, it can not be reported again. Perhaps my understanding of the rules that govern these affairs is too literal, but I do not feel that their reporting is accurate or allowable as they report the account as newly charged off monthly with continued late payments long after the vehicle was sold at auction and the account was charged off.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My request for the correction and removal of the inaccurate information about my accounts has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following account that needs to remove Completely from my Credit Report. 
XXXX XXXX XXXX {$0.00} TXXXX XXXX {$600.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXY ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX {$7400.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

This letter is a formal complaint that National Credit systems is reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : National Credit Systems : {$300.00} Collection Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2017-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc. (FL)

This. company Tek-Collect, Inc appears on my credit report for {$620.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX year old I don't normally apply for any new credit. I was switching XXXX XXXX providers and they needed to run a credit check. 
When I tried to sign on with each Credit Agency they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXX XXXX had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with TransUnion and XXXX. XXXX was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from XXXX. 

By placing an upsell page XXXX on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

I tried to log into my Chime account to move some money from savings into checking to purchase materials for school. I got a notification that my account had been closed and I should email XXXX 

I was sent an automated email telling me to call Chime 's support hotline. When I called, I had to wait and speak to 2 agents who told me they had no ability to fix things over the phone and I needed to email XXXX. 

I received no notifications that my account would be closed, nor have I been given a reason for why. I have no access to over {$5000.00} that was in the account and can not get a direct response from Chime. I am a college student living off of savings while I finish my studies. This means I have no money to pay rent, pay tuition, buy materials for my classes, buy food, or pay any other bills. I worked hard to save my money, and I can not survive without it.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Inaccurate address posted on credit report, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Az XXXX. 
I no longer live at the address listed above.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (ID)

On XX/XX/XXXX I completed a debt consolidation loan with one of the banks I work with ( XXXX XXXX XXXX XXXX ). They requested the ability to send cashiers checks directly to some of the creditors we were paying to which I agreed. The largest debt was an XXXX XXXX credit card issued by Commentity Bank. The balance at the time the check was sent ( XX/XX/XXXX ) was XXXX but the check was sent out for XXXX because it had not included a payment i recently made. 

According to the mail tracking the check was received on XX/XX/XXXX and the balance had not changed. On XX/XX/XXXX I noticed the check had not been credited to my account so I began calling in because I started incurring " interest charges '' of XXXX. I opened a dispute and sent them copies of the check, the delivery receipt from the mail, and included the payoff form they sent us. It has now been 2 months and I have called them dozens of times, my bank has called them dozens of times but the bottom line is they told me that I would not need to worry about making a payment while they located the check and I have that in writing. They knew I was in the middle of buying a home but I can not close until they show the account at a XXXX balance. I have also been paying on my new loan with onpoint. I work up yesterday to see that they reported me 30 days late and that dropped my credit score by over XXXX points. 

Every time i reach out to them I get someone new and the same response or a different story entirely. They will not sign the form to release the check and continue to tell me that checks can take 30 days to process and disputes can take up to 90 days to process. I am BEYOND furious at this point and need someone they will listen to and respect to intervene.
Consumer complaint received 2024-02-07
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. (KY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX
Consumer complaint received 2017-04-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (AL)

This company contacted my mothers employer, my mothers personal phone and cell phone, contacted my girlfriend. When I asked what this was about they refused to tell me what debt they were collecting on, I never received notice by mail, and they were very belligerent and rude to me, threatening litigation without informing me personally of where the debt originated from. Now I have negative remarks on my credit report, I disputed them, and they denied my disputes, and disputed back.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (PA)

Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.
Consumer complaint received 2023-02-27
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-05
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. (OH)

I looking over all XXXX of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation. Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of  the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.XXXX XXXX XXXX # XXXX Never don business with this company error please delete. 2.XXXX XXXX XXXX # XXXX This was discharged in Bankruptcy and is listed wrong please delete. 3.XXXX XXXX # XXXX This account was paid and is listed wrong error please delete. 4.XXXX # XXXX This account was discharged in Bankruptcy error please delete. 5.XXXX XXXX XXXX # XXXX This account is FRAUD I have never had a credit card with this company ever. 6.XXXX XXXX XXXX # XXXX This account is listed wrong and dates and status are wrong please delete. 7.XXXX XXXX # XXXX This account was never verified please delete.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I am writing to formally lodge a complaint against National Credit Syst, located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. This company has engaged in practices that are in direct violation of federal laws, specifically those related to abusive debt collection behavior, inaccurate reporting to credit reporting agencies ( CRAs ), and failure to send required notifications via mail. 

National Credit Syst has engaged in conduct that clearly violates the Fair Debt Collection Practices Act ( FDCPA ), as codified in Title 15 of the United States Code, Section 1692d. This law explicitly prohibits any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The company 's abusive behavior is a clear infringement of this law. 

Furthermore, the company has violated the Fair Credit Reporting Act ( FCRA ), as codified in Title 15 of the United States Code, Section 1681i. This law mandates that if a consumer disputes the completeness or accuracy of any item of information contained in their file at a consumer reporting agency, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. National Credit Syst has reported inaccurate information to CRAs and has failed to correct it upon dispute, which is a direct violation of the FCRA.

In addition, National Credit Syst has failed to comply with Section 1692g of the FDCPA, which requires a debt collector to send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that unless the consumer disputes the validity of the debt within thirty days after receipt of the notice, the debt will be assumed to be valid by the debt collector. The company 's failure to send such a notice is a clear violation of the FDCPA. 

I am demanding that the CFPB investigate these violations and take the necessary action to ensure that National Credit Syst complies with federal laws pertaining to debt collection and credit reporting. As a consumer, I have the right to be treated fairly and in accordance with the law. It is crucial that these violations are addressed to protect my rights and the rights of other consumers who may be affected by these unlawful practices.

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX