davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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)

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items TransUnion didn't make sure it was reporting 100 % correct and I dont recognize the inquiries in question. I politely explained to TransUnion that my personal information was on the Dark Web due to my personal information like my name, birthday, address, email, and social security number was breached in the XXXX XXXX XXXX. I disputed the inaccurate inquiries in question both over the telephone and through certified mail because I have no open accounts on my credit report from the inquiries but instead of an deletion I was sent a letter in the mail basically saying oh well, to contact the company to find out whether an account was opened in my name after inquiries in question was unverified with TransUnion. 
TransUnion has violated my rights under FCRA. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. If TransUnion is unable to provide me a copy of verifiable proof within 15 days after the investigation, they must remove the inaccurate inquiries listed below. Thanks for your help with this matter. 

Unknown, unverifiable, invalidated, inaccurate Inquiries XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-03-12
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)

Hello over the years I been trying to dispute these account XXXX have not provided me with correct information nor answer me within the 30days time frame this is holding me back from getting my home Im trying to purchase a home As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Equifax violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Consumer complaint received 2023-03-20
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # 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 2018-10-26
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. (CA)

I have disputed the account XXXX XXXX   XXXX with XXXX  and Equifax for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....
Consumer complaint received 2018-10-26
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX. XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX.
Consumer complaint received 2018-05-10
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX, VA XXXX ( XXXX ) XXXX The account was always paid on time and the company made and error and had agreed to correcting this with the bureaus. This corrected itself for one month and then came back. They are not keeping their word on making the account show current. I was never late. I actually paid the account in full as they are not honest. This company was recently the account that was used by XXXX XXXX who is no longer in business. 

I have demanded this be corrected.
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

IN RESPONCE TO THE LETTER RECEIVED FROM YOU DATED  XXXX   XXXX , 2017- YOU STATE THAT YOU HAVE PREVIOUSLY ADDRESSED THIS MATTER WHICH IS A LIE. I 'M INCLOSING THE EVIDENCE! WELLS FARGO IS REPORTING THIS ACCOUNT #  XXXX  TO  XXXX  WELLS FARGO IS REPORTING THIS ACCOUNT AS $  XXXX  PAST DUE AS OF  XXXX   2017  BUT TO   XXXX    WELLS FARGO IS REPORING THIS ACCOUNT AS $  XXXX  PAST DUE AS OF  XXXX   2017  BUT PAYMENT SCHEDULED SHOWS ALL PAYMENTS RECEIVED FOR EACH MONTH REPORTED LATE ... ... ..   I HEREBY DEMAND YOU TO DELETE THESE ERRONEAOUS LATES FROM THIS ACCOUNT FROM MY CREDIT REPROT FROM ALL CRAS, AS THIS ACCOUNT IS IN VOILATION OF FEDERAL STATUTES AND SHOULD NOT BE DAMAGING MY CREDIT IN THIS WAY!
Consumer complaint received 2020-11-05
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

I was fraudulently charged. Citi attempted to charge me an additional {$800.00}, claiming I received more credits on my account, although they did not appear on any statements and were not reflected in my balance. It took about 30 min on the phone to resolve the issue. I am concerned that they will double-debit other customers who are unable to understand the process and recover the funds.
Consumer complaint received 2018-10-26
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX. Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXXEquifax : XXXX XXXX  : XXXX, XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX, US DEP ED Equifax : XXXX XXXX : XXXX, US DEP ED Equifax : XXXX XXXX : XXXX.
Consumer complaint received 2019-05-09
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. (MO)

Equifax is reporting misleading or unproven information damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitations. They are reporting inaccurate unverified information on my credit report. I have called XXXX XXXX XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (RI)

XXXX XXXX were informed that the only way I could get internet, was if they DID NOT TOUCH landlords antenna wire. They promised they would not. The guy came and I reminded him NOT TO TOUCH ANTENNA WIRE. He said he wouldn't. My landlord came the next month and saw that they destroyed his wire. He no longer got tv reception and forced me to get rid of internet. XXXX broke contract. Then they sold three illegal debt to XXXX. I disputed it and won in XX/XX/2018, so XXXX sold it to Convergent. They broke the contract. They can't enforce a contract that they broke.
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK (CA)

On Monday XX/XX/21 I responded to an ad on XXXX regarding a rental house, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. Person from ad said it's available and to correspond with him by cell, XXXX. He sent me an application by email which I filled out and he accepted, then asked for a deposit and cleaning fee. He, XXXX XXXX, gave me his wife 's email, XXXX XXXX, and bank info at XXXX to transfer the money by XXXX, {$2000.00} total. After I sent it from my bank, First Republic Bank, he started to get frantic because it wasn't showing up immediately, it showed up the next morning since my bank is in California where I live. It showed up the next morning in his wife 's account. Next he asked me for another {$500.00} for a problem that the cleaning people had created in the bathroom. I did not send the money, he kept texting me to " please, please '' send it. He said he couldn't show me the house until it was fixed. I kept refusing to send the additional money. He was supposed to give me the keys on XX/XX/21 at noon. He texted me again that he was waiting for the {$500.00} before he would turn the keys over, I still refused and the meeting time kept changing.I Googled the house and it showed as " Sold '' on XX/XX/21. I went to the XXXX XXXX XXXX XXXX XXXX and searched the records for his or his wife 's name on the purchase. Neither name could be found on any documents. I drove by the house and there were people there, same cars XXXX days in a row. I asked for a refund and he said his wife used the money to pay the mortgage on their other house. I have all the texts and emails including their account info at XXXX. I reported it to my bank immediately. On XX/XX/21 I received a letter from First Republic Bank saying : Based on the results of our investigation, we have determined that the transaction was transmitted or authorized by you through a valid Banking Online session. 

It appears that this should be covered by Regulation E based on the guidelines on your website.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-07-11
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. (PA)

I submitted other requests to both XXXX XXXX and Equifax to have the three accounts from XXXX XXXX company removed from my credit report. These accounts are company accounts and are not personal. XXXX XXXX XXXX has responded that XX/XX/XXXX theyve updated and should be removed however XXXX XXXX and Equifax continue to keep them on my credit report stating that they were verified. That is in complete disregard for the verification that XXXX XXXX itself has given me and has given CFPB in the complaint filed against them that I have attached hereto.
Consumer complaint received 2022-03-12
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: ALLY FINANCIAL INC. (NJ)

I recently received a copy of my XXXX credit report and your company is in violation of the law! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES YOU NEED WRITTEN INSTRUCTIONS FROM THE CONSUMER to whom it relates. Did I give you written instructions to furnish this on my credit report? That is unauthorized use!

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) states EXCLUSIONS! A consumer report should EXCLUDE information solely as to transactions or experiences between the consumer and the person making the report. 

Your reporting on payment transactions and reporting as LATE IS IN MAJOR VIOLATION OF THE LAW. I demand you STOP REPORTING on my Consumer report and DELETE the late payments from this ACCOUNT in violation of 15 USC 1681.

There is no such thing as a late payments because the account was paid in full the moment my credit card was accepted.

12 CFR 1002 2 ( a ) ( a ) Account means an extension of credit. When employed in relation to an account, the word use refers only to open end.

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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Ally has caused severe stress and anxiety due to the abusive and unfair practices. 

Failure on your behalf to DELETE LATE PAYMENTS reporting on my consumer report will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MO)

Hello, I have been a JP Morgan Chase Bank card holder for several years now and I have XXXX credit cards with them at this time. I have a Chase Freedom Unlimited # XXXX and a Chase Slate # XXXX. I do not carry balances from month to month so Chase has decided to put me on a blast mailing list where they send me promotional checks urging me to transfer balances or to make purchases with the promotional checks. I have called them 3 times now and asked them politely to stop mailing the promotional checks to me and the representative has reassured me each time that they will no longer send the checks to me, but they are still continuing to send me the checks for both accounts. I would estimate that I receive the promotional checks 2-3 times a month for both accounts which means I get 4-6 mailings from them per month with these promotional offers. I then submitted a message to them XX/XX/2022 from my online account asking them to stop and stated if they didn't stop, I would be filing a complaint and yet I received 2 more promotional offers in the mail today so it seems as if they think it's funny. I am concerned that with them sending so many of these to me that someone will get their hands on the checks and have a hay day at my expense and I also do not have any need for them so I just want the mailings to stop. Is there anything that can be done to get them to stop besides closing my accounts? I use the cards, but payoff the balances each month so I would prefer not to cancel the accounts.
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I'm XXXX XXXX. I got our tax refund back. I looked for a XXXX and it led me to Chime. With 0.5 % interest, it sounds intriguing. 

I opened a Chime account, transferred {$8400.00} ( stupid of me to transfer so much at once ) from our main Bank at XXXX. I got an email from Chime two days later saying my account had been suspended. On Tuesday, XX/XX/XXXX, they asked for Gov't ID, source of fund, explanation of the purpose of transfer. I replied immediately with all of those documents including the screenshot from my main banking app with XXXX stating clearly that the source of the fund is tax refund and the purpose of transfer which is to build savings, it even stated IRS Tax refund so it's super clear. 

On the XXXX XXXX, I got a response back asking for the the back of my Driver 's License and, AGAIN I got asked for the purpose and source of fund. This is when I started to worry as I have previously sufficiently provided all the necessary documents and seriously wondered what happened during the review/ investigation on Chime 's end. I followed up with Chime again. AGAIN, I was asked for the purpose of the transfer, a second government ID, and source of income, they specifically mentioned unemployment check. This is when I got really angry and worried. They have gone totally off rail, asking for new documents without any verification or receipts of what documents they have received from us and are asking irrelevant documents like unemployment benefits ( me and my husband are working and have NEVER received any unemployment ). 

I have been on the phone with them everyday since Thursday, XX/XX/XXXX for at least XXXX hours a day without any concrete answer on why my account was suspended. With bank 's compliance and transparency, they should be able to tell you what they have received and why they are suspending the account. None of that happened here. That's transparency and I have seen NONE of that. All they could was apologize and escalate it to the next level. And ending up asking me to send documents that I have already sent. 

My husband is halfway through XXXX XXXX and is trying to find similar cases to compare to this and we are gathering all the people whose account have been suspended by Chime without any explanation, who went through the same thing and we are looking into class lawsuit. We found out that there has been numerous complaints to the State Delaware where Chime is incorporated and the FDIC. During the search, we found out Chime had closed or suspended many people 's account without any explanation. I felt so wrong to put my household in this predicament. And now our almost $ XXXX is nowhere to be found. 

My objective is to get our money back safely as soon as possible. There needs to be more transparency on online banks like these. There has to be legislation that guides this.