davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/2016, attached will be a 9 page narrative detail, including FCC complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report until XX/XX/XXXX. I called them Tuesday XX/XX/XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a US Bank form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.
Consumer complaint received 2024-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$220.00}
Consumer complaint received 2023-03-17
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. (IN)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Georgia XXXX XX/XX/XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by US BANKRUPTCY COURT GA XXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never discharged.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MI)

First off, they wanted me to a capture a photo of my State ID and mine was expired and i had a temporary ID which was a piece of paper with my old ID stapled to that paper till the new ID arrived. 

After many many failed attempts of me trying to upload my documents they required through their broke down incompetent procedures. They still refused me access. This is not the first time this has happened with the company known as Chime.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (AL)

Price order with XXXX on XXXX of XX/XX/XXXX for XXXX XXXXXXXX the order money was taken out same day XXXX went back in my account on the XXXX put money back in my account and took it back out again on the XXXX they went in my account took money put money back it took money back out on the XXXX they finally finding me my money XXXX yet I'm telling chime that all this is going on and they keep telling me that no I'm wrong they're XXXX in my account while my authorization to extra times they're emailing me on two different emails and trying to say I set up the account wrong or didn't finish the account but how can you get two names and two emails wrong how you text me on both they're doing some type of fraud or let somebody hack my account
Consumer complaint received 2023-03-17
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-30
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. (AZ)

XXXX and Transunion are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full directly to XXXX XXXX XXXX XXXX. This account should never had gone to collections in the first place and it should be reporting a {$0.00} balance. XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-03-17
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-25
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 (LA)

On XX/XX/XXXX my account password pin phone number and email was changed. They added some type of XXXX XXXX to my account and transferred all my money to themselves. The XXXX XXXX is showing a location of California us.i reside in XXXX Louisiana where I have been all my life. They denied me saying they didnt find any errors. I have multiple emails showing a new login from a device on California.
Consumer complaint received 2019-04-03
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. (OH)

I have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.
Consumer complaint received 2023-03-17
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete this account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (FL)

I am interested In processing disputes for all incorrect information on my credit report with experian. things need to be updated that are hurting my credit report please delete an remove all inaccurate data listed asap.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (SC)

Early Warning services did not do a fully investigation on the following fraudenlent accounts Banks that were open up fraudenlty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-06
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. (CA)

1 ) On XX/XX/219, I received a Credit Alert from Experian. Experian Alert shows my XXXX XXXX as " Settlement ''. I never signed a settlement nor verbally agreed to one. 

2 ) On Experian my XXXX XXXX  XXXX account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

Requested an ACH-out from checking account on XX/XX/XXXX for {$3500.00}, this was rejected by TD Bank because, they will only allow me to deposit money but will not let me use my money to pay my bills. Due to this rejection the financial institution that I used to request this ACH transfer has now charged me {$25.00} for the returned ACH and I'm late on paying my bills so eventually the late charges will now start accruing. Also made a Bill Pay request to pay my XXXX XXXX credit card on XX/XX/XXXX for {$2800.00}, called TD Bank on XX/XX/XXXX @ XXXX ( spoke to rep named XXXX ) to confirm this bill was paid since the funds are still showing on the checking account -- she stated that the funds were not sent to pay my credit card and I would need to contact XXXX  to ask why they would not accept it. Confirmed with XXXX that they will accept and all of the account information entered was correct and they would accept payment if it is sent. TD Bank checking account does not allow me checking capabilities like a bank should, this bank is holding my funds while I continue to incur charges and can not pay bills with funds that I deposit.
Consumer complaint received 2023-03-17
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. (FL)

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 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 : 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 2021-02-15
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: Bread Financial Holdings, Inc. (VA)

This is the second time I have complained about this. See Complaint # XXXX, from last year. 

Comenitycapital/BjXXXX This credit card/ bank is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my XXXX  Report as a charge off. This account should be reported " Included In Bankruptcy ''
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On/around XX/XX/XXXX, I a settlement was made. I called repeatedly requesting the settlement to be in writing.

On XX/XX/XXXX, the company sent an agreement in writing via email, however, it did not state the payment would be final and resolve. On the same day, I replied requested to modify the statement, no reply.

On XX/XX/XXXX, I called and request the same agreement and detailed it should include " once paid, matter considered resolved ''. Representative stated she would get the letter sent.

On XX/XX/XXXX, I called and requested the same.

For about a week or so after, I called almost everyday asking the same.

On/around XX/XX/XXXX, a representative called me asking to resolve matter. I explained the situation and she, again, promised to get agreement sent via email.

On/around XX/XX/XXXX, same representative called stating that the agreement was sent. I informed her I did not receive it, additionally, she insisted that it was sent. But when asked for the same email to be forwarded, she refused.

Finally, she stated that since it is not past the " agreement '' date, the full amount is due.

It seems the company purposely did not send me the agreement in order to make it look as if I missed the agreed date. I stressed how often I called to ask for the agreement, but every time they failed to sent it.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

For the last 6 payments, from my payment on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX all of my payments to my FEDERAL UNSUB STAFFORD LOAN ( Disb. date XX/XX/XXXX ) has not lowered the loan debt amount of {$890.00}. The loan required amount to pay is {$24.00} and {$32.00}. 

Why is it that even when I paid {$50.00}, that my loan debt does not go down? 

I feel like I am being robbed. I am paying the amount required on this loan month after month, even some extra at times, but the loan debt amount has not gone don one ( 1 ) penny! I sent an email to them but they have not responded. 

I need answers!
Consumer complaint received 2019-04-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My complaint is : I disputed a public record ( bankruptcy ) showing on my report dated XX/XX/2015 The results of the reinvestigation stated " This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, XXXX. '' I don't see the accuracy in their investigation when I also disputed this company and the item in question was removed from this company due to inaccuracy of the item. I have documentation showing the Removal of this item. 

I also have a letter from XXXX stating that they sent a dispute on my behalf to all three bureaus about the public record with no response from either of them. 

Also I would like to make a complaint about the same item, bankruptcy dated XX/XX/2015 with Transunion. I received an investigation from them stating their investigation procedures but no results. 

I would just like to be treated fairly and have matters executed as such. The item is an inaccurate item and I would like to have it removed from any report pertaining to my person
Consumer complaint received 2023-06-12
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. (PA)

I recently pulled my credit report and noticed a bunch of inquiries that are fraudulent, and a bunch of addresses that are not connected to me, or that have never been associated with me. This information is being reported inaccurately and is causing damages to me. 
According to FCRA. You are not allowed to report inaccurate information, or you could be held civilly liable. This information is damaging to me and interfering with my search for homes. If I end up homeless as a result of your inaccurate reporting I intend to hold you liable for the amount of my actual damages. You must block and remove this inaccurate information from my credit report immediately. 

I have attached a FTC report for these fraudulent inquiries, and a list of these fraudulent addresses.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

New -XXXX  XXXX XXXX failed to respond to my certified letter sent on XX/XX/2022 to the updated return address. This has also happened in the past. They continue to report inaccurate payment history.
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I have attempted to work with the company but have had no resolution. I have asked for official documents from the company such as a lease, copy of the license and social security card that the apartment complex took upon moving in the tenant due to the fact my information was used and I never lived at the apartment complex that the collection agency is representing. I have filed a police report with the XXXX police department and I have also reported to the credit bureaus but there's been no resolution. I am requesting if the agency can't provide a valid lease agreement, copy of the license, and social that was used that this be removed immediately.