davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to XXXX  XXXX ( XXXX ) and I'm not delinquent.
Consumer complaint received 2017-09-21
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. (GA)

I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX 2015. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2024-07-03
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. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.
Consumer complaint received 2022-08-26
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX  XXXX Date OpenedXXXX Balance : $ XXXX Late XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

My husband and I each received a bill from XXXX  XXXX XXXX for respectively {$650.00} and {$910.00} from more than 10 years ago ( and previous marriages ) that we had absolutely no knowledge of. When I called the collection company, Convergent, they gave us the dates for which these were due and the amount. According to XXXX   XXXX XXXX they sent 3 letters to my husband and 5 to me. This is absolutely ludicrous! Especially since I know we both usually are in the habit of forwarding all of our mail to a new address when we move. I never received any such letter and neither did he. We currently have no outstanding debts and pay all of our current ones always and on time. Had we any knowledge of these we would definitely have made arrangements to pay. 

In addition, the statute of limitation is definitely in effect. I want XXXX  XXXX XXXX  to eliminate these debts as they seem quite fraudulent after so long.
Consumer complaint received 2022-07-22
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)

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 these accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (TX)

I reached out to PayFare/XXXX  ( XXXX XXXX XXXXXXXX ) immediately upon my seeing a transaction I didn't recognize ( on XX/XX/2024 ), especially since I was needing to make a purchase and now had insufficient funds to do so, and my balance is rarely more than {$100.00} ( it's my pay card for delivering for XXXX and PayFare is their payment platform they contract with ). I clearly explained to them that the website included in the transaction ( XXXX ) is in no way a service I have used, and was obviously done by someone who copied my card information ( possibly a worker at a store, etc. in taking a picture ). I asked them if they're accusing me of fraud since they denied my claim, and they declined to answer. I've never filed a claim with them before. When I did report it initially, they cancelled the card immediately and notified me of the e-mail containing the links so that I could file a claim. I did so within the allotted amount of time, and then received generic reply e-mails that were identical to the original instructions, claiming that I failed to do so properly, but not delineating which part of the exhaustive procedure I forgot to include- so I repeated it all once more, providing screenshots the second time. They then replied with a generic response saying, without evidence, that my claim was denied per their card user agreement in the small print pamphlet given when I received the card many years ago. They are claiming that there is no option for more recourse and that the matter is final, and have not explained to me with any transparency whatsoever why that is so, and apparently expect me to bow down. I am a XXXX XXXX XXXX  at present, and have been very patient and polite with their support, but feel as if they are trying to strong-arm me into simply giving up since it is only {$39.00}, but this is a matter of principle, but also financial stability as that would allow me to put those funds towards future days of work in the form of fuel. I informed them that I would be reaching out to the proper government watchdog after their refusal to explain their decision, and appreciate your help. Thank you
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (MA)

As of XX/XX/XXXX I paid for Account for milestone as paid in full of XXXX but amount still showing I owe XXXX dollars. Account still showing past due but closed when I paid them the full amount. They are reporting information they want stating account balance is XXXX dollars and not the actual truth of the account paid in full. they go by Concora credit now yet Im still having information reported on my account as if I still have a balance left
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts 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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (OR)

XX/XX/XXXX XXXX $ Transfer to XXXX XXXX XX/XX/XXXX XXXX $ Transfer to XXXXXXXX XXXX  XX/XX/XXXX XXXX $ XXXX XXXX XX/XX/XXXX XXXX $ Transfer to Chime savings XX/XX/XXXX XXXX $ Transfer to XXXX XXXX 

I have reached out to chime multiple times to dispute these transactions that were made on to the account without my consent and they keep denying the disputes that need to be made. Someone opened up a credit builder card in my name without any authorization, started withdrawing funds from my XXXX XXXX XXXX account, transferred funds from there to the XXXX XXXX card. I made a police report about these fraudulent charges that were made on to the account, they are still denying my request to make the disputes. Chime is now saying that my account is negative because of the fraudulent activity that happened with the account. They have not been helpful at all whatsoever with what happened to me, are not taking my side like any bank should. I hope this situation is resolved soon so I dont have to keep worrying about the money they owe me, negative balance on the account.
Consumer complaint received 2022-06-16
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. (GA)

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. 

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX  '' Account # XXXX has violated my rights. 

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. 

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX '' Account # XXXX has violated my rights. 

XXXX. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # 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 2018-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to validate - through the physical validation of the original signed consumer contract - any and all accounts you post on a credit report. 

I demand to see Validated Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively validate this account has hurt my ability to obtain credit. Under the FCRA, invalidated accounts must be removed from credit reporting agencies and if you are unable to provide me a copy of verifiable proof such as : 1. The agreement you have in place with the creditor that duly authorizes you to collect on behalf of this debt. 
2. The agreement reflecting my signature that confirms my acceptance of the obligation. 
3. The complete payment history on this account A copy of a billing statement that you provided, is NOT sufficient validation of me owing this debt to you. 

Until your office fully complies with my reasonable 2nd request for validation, I expect that there will be no further efforts on you part to collect on this debt. Additionally, if your office fails to reply to this letter within 30 days of receipt of this debt validation letter, this account must be deleted from my credit profile with all three credit reporting agencies, and no further efforts to collect on it can be made. 





Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX XXXX {$2800.00} Invalidated Account see attached documentation for complaint with consumer financial protection bureau for refusing to validate date. 2nd REQUEST FOR  VALIDATION Thank you, XXXX XXXX
Consumer complaint received 2022-06-16
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/1980 To Whom it XXXX concern, I recently challenged the validity of XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
Best Regards, I have attached my ID to this letter.
Consumer complaint received 2022-06-16
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. (AL)

XXXX. XXXX. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts on my credit profile is being reported and my credit was stolen and used I need these accounts deleted from my credit profile.
Consumer complaint received 2022-06-16
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. (MI)

In Accordance with the Fair Credit Reporting Act 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 with my written instructions.
Consumer complaint received 2022-07-22
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)

This is my NUMEROUS 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-06-16
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 Report Act, XXXX XXXX XXXX XXXX account numbers xxxxxx XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, Attorney General account numbers XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX account number XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX account number xxxxxx XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX has violated my rights In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account number # XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX account number xxxxxxx XXXX has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Report ActXXXX XXXX XXXX  account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 Section A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a Consumer Reporting Agency CAN NOT furnish a account without my written instructions.
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account numbers xxxxxx XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, Attorney General account numbers XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX account number xxx # # has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX account number XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX account number xxxxxx XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX has violated my rights In accordance with the Fair Credit Report Act, XXXX XXXX XXXX XXXX account number # XXXX has violated my rights. 

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX account number xxxxxxx XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Report Act, XXXX XXXX  account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 Section A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a Consumer Reporting Agency CAN NOT furnish a account without my written instructions.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OR)

XXXX XXXX had sold my loan to PNC Mortgage in XXXX. I have made numerous calls to PNC Mortgage in regards to why I had an escrow amount and then an increase in my monthly payment. All PCN customer service reps said it was due to a home owners insurance issue and that it would be resolved. My last phone call to PNC, I was told that the reason that it was not resolved is because I needed to contact XXXX XXXXXXXX because XXXX XXXX added gap insurance to my loan when sold. PNC said that XXXX XXXX needed to correct the insurance error and notify PCN. This is the only way to clear any escrow amounts/increase in my PNC mortgage payments. The two insurance policies documentation were provided to PNC and XXXX showing that there was never a gap in insurance. Both mortgage companies have told me they could not resolve. 

XXXX XXXX LOAN NUMBER : # XXXX PNC Bank LOAN NUMBER : # XXXX XXXX XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.