davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (VA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX  XXXX XXXX* Balance : {$13.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (TX)

I am appalled by the ability of the Experian and XXXX Credit Bureaus to ignore a consumer 's requests for the correction of the disputed account reporting erroneous information on my Credit Report. I sent a letter to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus correct the information being reported by the accounts on my Credit Report. Upon checking my reports, it is clear that the Credit Bureaus have been ignorant of my requests for the correction of the disputed accounts on my Credit Report. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-19
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. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$55.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2019-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The Bureaus, Inc. (MD)

XXXX XXXX XXXX & XXXX XXXX ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello my name is XXXX XXXX XXXX. I have been disputing my personal information to TransUnion. XXXX sent a copy of my XXXX and ss # with my correct name since XXXX 2016. Everytime I talk to them they claim that ca n't change my name because I have account in my maiden name XXXX. However that 's not my legal name and I refuse to let them keep disrespecting me. When they send me mail they say XXXX XXXX XXXX. That is not my legal name and they should respect that. Why do the government allow the credit bureaus to do what they want. I 'm going to file a law suit for wrongful use of my name if TransUnion ca n't get it right. I know the law is that if my legal name is XXXX XXXX XXXX TransUnion suppose to honor my name and stop discriminating and disrespecting who I am. I want my mail and my credit report to display who I am. Thankyou
Consumer complaint received 2019-02-19
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: Experian Information Solutions Inc. (NY)

I have reported an account that I am not mine, that I never open. or may have been open under my name without my permission. They reported as accurate but I am willing to provide proof that I do not make payments or charges under this account. I believe it is unfairly affecting my credit report.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2022-03-01
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. (NJ)

I did not apply for credit with these companies and I do not know about theses inquiries on my credit report. In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 620 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.

Responsibilities of Furnishers of Information To Consumer Reporting Agencies [ 15 U.S.C. 1681 Section 623 Section 2 ] ( a ) Duty of Furnishers of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

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 2022-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (CA)

On XX/XX/2021 I made an online payment on their website. Monthly payment is for {$270.00}. I made a payment for what I could afford that day which was XXXX. 
Website froze, message of, don't go back or refresh pop up and then I was charged {$720.00} instead of what I input for authorized payment. 
Filed a claim with them, multiple calls, emails, 11 overdraft fees for {$36.00} each due to their websites error on my bank account. 

My bank stopped the payment, put money back in my account before all those overdraft fees but Lending point took the money from my account again, knowingly it was a mistake and a claim was filed. 

After lots of back and forth and promises by supervisor XXXX XXXX using her work email, XXXX To refund the whole amount and pay for the overdraft fees, final answer was, her boss told her they won't be able to refund any money or any of the overdraft fees. 
They're violating my consumer rights when it comes to federal and state rules, laws, and regulations that govern financial institutions. 
I'm filing a claim against them for abusive unfair and deceiving business practices.
Consumer complaint received 2019-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Checked Equifax credit report via XXXX on XX/XX/XXXX, which contained inaccurate personal address information. I used the Equifax online dispute function, which strangely did not allow completion of the dispute online, but rather insisted that I provide multiple ( 3 ) documents to prove my identity, by FAXING or MAILING, within 24 hours ... just to remove an erroneous address from my credit file. I collected the required documentation and attempted to fax the dispute form and identifying documents to Equifax on XX/XX/XXXX ( same day, well within 24 hours ). The fax number provided by Equifax ( XXXX ) reported on 2 different fax systems as " not in service. '' Yes, I can send the multiple documents Equifax insists I provide by postal mail. However, Equifax has made this process too ridiculous and ineffectual. If Equifax requires me to fax 3 different documents to prove my identity then Equifax should certainly should make sure the fax number listed on their dispute form is IN SERVICE. Instead, Equifax appears to be levying too many requirements on the dispute submission process, and then failing to provide a workable online or fax mode for submitting a dispute, all in an attempt to discourage consumers from legitimate efforts to correct their credit file.
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Keith D. Weiner & Associates Co., L.P.A. (MD)

A subpoena letter was sent to my workplace by a debt collection lawyer in Ohio ( XXXX XXXX XXXX ) regarding a debt accrued by a person with a similar name as me. The subpoena included my name, along with a couple aliases that do not match my name. When my office manager called this law office to see why they were asking for information about me, they gave her MY social security number and told her to fill out paperwork regarding my personal information ( i.e. address and phone number ), but would n't elaborate as to why. As it turns out, they have my social security number linked with a person who owes them money, even though this person is not me, and I have never even been to the state of Ohio. The person they are searching for has a name very similar to mine, but has a different middle name. I looked this person up online ( which took a grand total of 5 minutes ) and found the person they are looking for, as well as a list of places she has lived and where she currently lives. None of these places are even close to the state in which I live. I checked my credit report, and all three of my scores are in the XXXX 's and there are no suspicious accounts opened under my name. Thus, I am assuming that either 1. ) This person stole my social security number and accrued debt using it, but it just has n't shown up on my credit report, or 2. ) These lawyers are just randomly searching for people with my name, and somehow have a way to obtain my social security number. Then they are trying to saddle me with this person 's debt without actually researching who this person is. Either way, I do not owe a penny to these people, and request that they quit harassing me and quit writing subpoenas to my workplace. I have filed an " Identity Theft Affidavit '' with the IRS, as well as an affidavit with the Federal Trade Commission. I have also filed a police report and have submitted my identification. Once the police report is finalized, I would be happy to submit that as well. The amount of time I 've had to waste because this company could n't do a five minute google search, is really ridiculous.A colleague of mine told me to file a complaint with the consumer financial protection bureau as well, in order to get this company off my back. I am requesting that Keith Weiner Law be forced to stop linking me and my social security number with someone who is clearly not me. In my opinion, this company is just taking shots in the dark in order to collect this woman 's debt, and they should be held accountable for trying to saddle some innocent person with someone else 's debt, just so they get paid. 

The contact information for the law firm is : Keith D. Weiner & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from all unfair credit and collection practices I told XXXX, Transunion, XXXX to reinvestigate these accounts XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15. USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

None of information as been removed upon request of deletion.
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have several incorrect issues reporting in my credit reports with XXXX, TransUnion and XXXX so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, US DEPT OF EDUCATION, XXXX XXXX, BANKRUPTCY # XXXX, BANKRUPTCY # XXXX, and remove the late payments from XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

To preface this complaint, Chime has repeatedly abused its power over my finances from the time I started depositing real money into it. From not settling disputes where my card was stolen to taking a year to send a new debit card. 

This instance saw me go to the ATM to pull out XXXXXXXX XXXX for dinner with my spouse. The ATM dispensed XXXXXXXX XXXX instead of XXXX XXXX After trying to get a live agent on the phone and having the phone system not connect me for 20 minutes; forcing me to send an online message and then demanding them to call me, I went back inside. There I found 3 people, in that short span, all have the same thing happen to them. 2 of the other individuals happened to have Chime as well and could not get a representative on the phone. 

I received a call from a Chime representative who escalated me to their manager, who transferred me to disputes and then transferred me back to the representative. This rep then transfered me to another manager. They all echoed the same sentiment that the money would be refunded to my account. I explained to them that the ATM processed the transaction as XXXXXXXX XXXX as all it does is scan the bills. Since there are XXXX XXXX where there should be XXXX XXXX the withdrawal would not show I was shorted money. I then withdrew an additional XXXX to make up the difference and to prove that it was not a charade, my funds have been stolen. They told me there is nothing they can do and if that was all. 

I demanded they credit me back the money pending an investigation. To remove the credit from my account if the investigation turned out fraudulent. They refused. I demanded they check with their IT reps and find the calls they were getting to the same area to see that I was not lying about the faulty ATM. They refused. I asked them to communicate with XXXX about addressing the faulty machine. They did not respond. 

This institution has made its way by offering cheeky deals to poor people and then using their poverty against them as a tool of control. The reason XXXX XXXX, XXXX, etc don't have these issues is simply that they can not or their deposit base would flee. Foolishly, I believed making more money and increasing my deposits with the bank would allow me 1st class service but today reminded me that I am still a chime depositor. Sadly to Chime, that means I'm just another poor person they can siphon money from. 

I am fortunate enough that now I don't have to care about the money. But not long ago at all this instance could have stopped me from eating for the week, stopped me from putting gas in my car, stopped me from taking my medicine. This institution needs to be halted and turned into nothing more than 12 XXXX. 

My hope is that this complaint can lead to a resolution that benefits those that are being exploited.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 2016-03-28
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (TX)

My son is offering to help me with my credit card bills. He 'd be able to give me about {$3800.00} and I want to apply it to my care credit with Synchrony bank. However I first wanted to know if this could help pay it down to zero. He suggest I ask for help from Synchrony.
Consumer complaint received 2023-08-03
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Bank & XXXX XXXX ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.
Consumer complaint received 2022-07-19
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, and XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.