davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
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 (CA)

I would NOT rate this " bank '' a single star if it were possible. The fact that Chime claims that its " top priority is protecting [ their ] members that starts with keeping [ our ] information and money secure '' is already a false statement. 

On XX/XX/XXXX at XXXX PM, a total of {$300.00} were withdrawn from my checking account at a XX/XX/XXXX ATM machine in XXXX, CA. After receiving alerts on my phone about the transactions made, I immediately locked my debit card, called Chime customer service and was told to call back after the transactions had posted. Once they stopped pending, I called customer service again and filed for fraud, as I did not authorize the transactions. I had also requested a temporary credit as other banks do to assist their customers with fraud claims, however, they declined to do so. Chime responded to me via email on XX/XX/XXXX that after they " made a final determination regarding [ my ] claim, '' Chime bank " concluded no error occurred '' and " no funds will be credited to [ my ] account and this claim is considered closed. '' As their member/customer, I was not happy with their decision and immediately called to reopen the claim. 

To further help with the investigation, I emailed Chime on that same day ( XXXX ) at XXXX PM with attached photos of my location during the time the fraud incident occurred. Chime neglected to further investigate and stated the they " stand by [ their ] initial decision '' ( XX/XX/XXXX, XXXX PM ). Chime emailed on XX/XX/XXXX at XXXX AM stated they would be " happy to send [ me ] the documentations used in [ their ] investigation, '' which I immediately requested and was told I would receive the documentations within XXXX business day. It is XX/XX/XXXX and Chime has neglected to send the documentations as requested and continue helping me as their member/customer. 

I now refuse to continue using Chime " bank '' for any financial needs. I opened a new account with another financial institution and consulted an attorney for this matter.
Consumer complaint received 2021-08-28
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. (CA)

My ( collection ) account? has been reported to Experian as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is XXXX ) I was not in XXXX XXXX Az at that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by MEDICARE as I was on Medicare as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves EXPERIAN stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and EXPERIAN as well as XXXX XXXX are Lying to everyone about my credit.
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2022-04-10
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX , and Experian ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX and XXXX ) , and Account # :XXXX, Account Name : XXXX XXXX XXXX XXXX  ( reporting on 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 an account without my written instructions.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the XXXX year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the XXXX company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by XXXX. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

My mortgage servicer is charging me {$1000.00} in what is called " other fees '' on my mortgage statement. I do not and should not owe these fees, nor do I know what these fees are in regards to.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-04
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)

I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (MI)

None of the bureaus responding to the letters that I am using to dispute the inaccuracies on my credit report. All I see are responses that the information was verified and accurate. I've requested their methods of verification, yet I have not received that any documentation of their processes. How can I properly dispute these inaccuracies if the bureaus aren't willing to supply their processes or methods of validation for these erroneous and inaccurate accounts? The information in my reports is not being accurately reported. Their inability to properly investigate and display correct information in my reports is impairing my ability to support my family. Any assistance would be greatly appreciated.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX on XX/XX/2017 I have tried numerous times to get this removed off my credit report but with no luck. I will take accountability for my own debts as records showed that I paid off all my debts recently in order to clean up my credit. This is one that does not belong to me. I'm the victim of identity thief. I have only discovered this at the end of last year while I was trying to clean up my credit.
Consumer complaint received 2022-04-10
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. (NC)

I have an inquiry with XXXX  on my equifax report. I have disputed with equifax and called XXXX and confirmed I don't have record of an inquiry in XXXX XXXXStill no one has took the next step to get this hard inquiry off of my report.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2021-08-28
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. (FL)

I have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX XXXX XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with Transunion and XXXX trying to get this debt removed. In every complaint Transunion and XXXX swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX  ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt Transunion and XXXX.
Consumer complaint received 2021-04-19
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: EQUIFAX, INC. (LA)

Ive sent disputes last XXXX regarding those unknown and inaccurate accounts Ive found on my credit report. It's almost 30 days now but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I Have sent written communication to LVNV Funding LLC XX/XX/2021, and I still have not received a signed contract that states I'm am the owner of this account. These two accounts are being reported on my credit report damaging my ability to obtain new credit. It has been over 60 days and yet I'm am still waiting. I demand that LVNV Funding LLC send notice to remove these Two accounts from my consumer report whom your company reports to because they are unverified and erroneous. I'm sure that LVNV Funding LLC are in violation of a few FDCPA Laws. If this doesn't get resolved, I will seek litigation to fix this problem due to stress.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I submitted a dispute on XX/XX/XXXX via online dispute process in order to dispute 8 hard inquiries that are being reported on my credit report. The request that I submitted included 8 Hard Inquiries that were not factual and I received the same response for ALL inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report could display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. the following inquiries i need removed below i have included the dates according to XXXX XXXX confirmation number from original dispute XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-10
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)

In accordance with the Fair Credit Reporting Act, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXXXXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX XXXX XXXX Acct # XXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Consumer complaint received 2021-05-14
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: Resurgent Capital Services L.P. (CA)

LVNVFunding LLC. XXXX the supposed debt owner ), XXXX XXXX XXXX XXXX, SC XXXX ( as reported by XXXX  XXXX has failed to comply with FCRA law. I originally disputed a debt with them XX/XX/21 sent USPS certified mail. They had 30 days in order to respond, instead, I received a response letter dated XX/XX/21 stating Resurgent Capital Services L.P was their account manager, no requested information provided. They stated that I had 30 days to respond to that letter instead of providing the account information under FCRA that I requested. I did not receive the requested information until XXXX XXXX from Resurgent their deadline was XX/XX/21 ( 30 days XXXX from my initial request to LVNV. They can not re-age the date of my request because the interworkings between LVNV and Resurgent are not consistent and lacking. Furthermore, Resurgent did not provide all documents requested. They did not provide a copy of the contract or document evidencing my agreement to any debt which I did request XX/XX/21, please reference the letter instead they mentioned in their letter dated XX/XX/21 that 'I may ' request a copy which I already did. They are playing games with consumers in an unprofessional manner. 

On top of this, I have sent certified letters to XXXX and XXXX  with this complaint along with copies of letters sent to LVNV and Resurgent and they also have failed to act under FCRA law.
Consumer complaint received 2024-03-08
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. (WI)

I have contacted XXXX XXXX about an closed account appearing on my credit report, That do not belong to me. XXXX XXXX Account # XXXX I asked them to verify the account. I was told the account does not match my personal information and they confirmed it does not belong to me. This account is not my account and should be removed immediately. My next step will be legal action because there is know way legally this account can be verified.