davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  || Date of inquiry : XX/XX/2023
Consumer complaint received 2022-05-24
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)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (PA)

Was contacted by XXXX XXXX XXXX XXXX claiming I owed {$490.00} to PayPal Inc. I have verified with PayPal I do not owe, nor have I ever owed this balance. The company offered a settlement to stop collection. After a bit of research online, it appears they do this regularly to scam people out of money.
Consumer complaint received 2022-05-24
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)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-11-01
Product: Credit reporting 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. (FL)

Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question.

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 
This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in this matter.
Consumer complaint received 2022-05-24
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. (LA)

In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX ), ( Department of Education/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  # XXXX ), ( XXXX XXXXXXXX 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.
Consumer complaint received 2022-05-24
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. (LA)

In accordance with the Fair Credit Reporting Act ( Department of Education/XXXXt XXXX XXXX ), ( Department of Education/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX ), ( XXXX XXXXXXXX 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.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (UT)

XXXX To date Chime XXXX XXXX and XXXX and XXXX refuse to update my phone number by following their policy. 

I have sent in my photo of ID last 4 social, phone number, now they want another selfie and my handwriting with email written down which is already on file. 

I have emailed an FBI agent as well. 


Chime is Phishing information illegally. I am to be compensated for constant fraudulent behavior on Chime. 

I emailed XXXX XXXX XXXX XXXX about this as well. 

Chime Keeps asking for same info over and over. I have several screenshots of this requested information.
Consumer complaint received 2022-05-24
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: Resurgent Capital Services L.P. (GA)

On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. 

Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. LVNV Funding ( from XXXX XXXX ) and two accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. 

I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. 

I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and XXXX with no success. Im also including a copy of the police report that was filed for the identity theft.
Consumer complaint received 2022-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MA)

This letter is to dispute the interest fees that are fraudulently and illegally being charge to me under a loan through NetCredit. 

I have followed up with NetCredit via email and phone and received no adequate response from anyone. 

This company does not give the option to pay principal payments, you would have to pay their interest fee and then issue a payment on top of that. Their monthly payments are too high for the average consumer to get out of this type of debt and to try and make extra payments. I have called NetCredit on several occasions to refinance this loan. The first time I was told this was not an option that they provided. The last time I spoke with them in the month of XX/XX/2022 I was told that this is an option, but my case had been escalated and I need to wait for a manager to contact me. I have not heard from anyone to date. 

This loan is a High Interest loan and after investigating it appears that this illegal and fraudulent. 

The total amount loaned is {$8100.00}. NetCredit takes money out of my bank account with XXXX every 2 weeks. Wednesday. XX/XX/2022 was the date of the last withdrawal. To date NetCredit has collected over {$2300.00} in Interest and is illegally charged. My biweekly payments total {$210.00} and result in a minimal amount of that payment being applied to the principle. In fact, after 12 payments of {$210.00} I have only paid about {$250.00} toward the principle. This is illegal. 

How is it that it is legal for a company to charge an interest in that amount? The APR that NetCredit is giving me is over 63 %. 

The state of Florida maintains the position that it is illegal for a loan to have an APR over 18 % : Florida Statue 687.02
Consumer complaint received 2022-05-24
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-01
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)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$8.00}
Consumer complaint received 2022-05-24
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. (FL)

This is a formal complaint that the credit bureaus are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have disputed with the credit bureaus about account XXXX # XXXX XXXX  all 3 credit bureaus have different date of last payment, date of delinquency, payment history and one has no information this are all inaccurate reporting which is means for DELETION The FCRA requires consumer reporting agencies to maintain accurate and complete files. According the FCRA, you have a right to review your credit reports and have inaccurate, incorrect and corrected and DELETED The credit reporting agencies ( CRAs ) are responsible for investigating, correcting, and deleting incorrect information contained in your credit reports. The credit reporting agencies must report only accurate information. Inaccurate information must be corrected or deleted. The have been given several opportunities to fix the matter but they come back as accurate I would like for this information to be DELETED Please see attached pictures that indicated the inaccurate reporting They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2024-03-13
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. (AR)

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX XXXX XXXX account # XXXX but shows account # XXXX*********** under XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX| Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX