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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to XXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/2021 there was an unauthorized transaction on my account at Navy Federal Credit Union. When I called to report it I was put on hold and the problem was not resolved. The phone operators were rude and kept putting me on hold and never returning to the line. The following morning I physically went in to the branch to file a complaint and they issued me a new card. With that card I started payments on my XXXX car insurance until there was fraud again. When XXXX tried to process a payment for {$220.00} the payment did not process and XXXX contacted me that another payment was due for {$330.00}. I paid that with new card only to find out that 2 payments processed. When I asked NFCU to stop the processing on XX/XX/XXXX they refused. I called back on the XXXX of XXXX and they still did not process a refund until XX/XX/XXXX th. Now NFCU is saying I will have no funding for 10 days. NFCU refuses to give me my money back and was put on hold 6 times by customer service.
Consumer complaint received 2015-10-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (VA)

For over a week I have not been able to access my account with Rush Card. My direct deposit is 4 days overdue and can not reach customer service ... They do n't answer emails, private messages or anything else I have tried. There are XXXX of people affected by this.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.
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. (OK)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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: Experian Information Solutions Inc. (KS)

In accordance with the fair credit reporting act, the XXXX  has violated my rights 15usc 1681 section 602h, my right to privacy along with 15usc 1681 section 604a section 2, publishing my information without written consent. The following accounts are collections XXXX dollars, acct number XXXX XX/XX/XXXX, which has been paid and never removed. The next two collections are each XXXX dollars, account ending in XXXX and XXXX, these have also been resolved and not removed. The last account is XXXX XXXX XXXX  acct # XXXX of XX/XX/XXXX, which is resolved, closed, and almost XXXX XXXX XXXX, the above 3 medical accounts even if they were not resolved, they are all below XXXX.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (CA)

I leased a vehicle at XXXX XXXX XXXX in XXXX. When the lease was up, I paid Volks Wagen Credit balance in full via wire transfer, I requested a paid in full letter which I received. This all transpired XX/XX/XXXX. I decided to sell the vehicle last week, XX/XX/XXXX. I discovered Volks Wagen Credit had a lien on the title, I contacted Vw credit and the said it was XXXX XXXX XXXX problem. I called XXXX they said it was Volks Wagen Credit mistake. I called VW credit again and they said they sent the release to the DMV and it would be two weeks! I lost my buyer, and now I 'm told I need to go to DMV and request Title. I paid in full {$15000.00} and a year and a half later they still have a lien! How many vehicles to they reposes with a false lien?????? I have to take a day off work to go to DMV and find another buyer.
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/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 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

account was paid off XXXXmy credit report shows a balance of {$720.00} which I never owed spoke with XXXX supervisor at XXXX ( business name ) XXXX and he said there was NOTHING HE COULD DO he agreed the account was paid off XXXX balance
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I submitted a dispute with XXXX XXXX in regards to reporting on my credit report when i had no affiliation with XXXX XXXX and they are reporting late payments on my credit report which is inaccurate as they themselves sent me a letter stating they refused to grant me any credit with them... therefore why are they reporting that i have credit with them. I also wanted to file the dispute with XXXX, XXXX, and Equifax... which have not been updated for years now with accurate information.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX account # XXXX have 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of Identity Theft. I am taking this matter very seriously, and I would like to ask that you take immediate action to block and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of Identity Theft. The following accounts were used unauthorized and it affects my finances badly. I need help, I demand to remove the following accounts from my Credit Report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (SC)

GOOD MORNING, XXXX, EQUIFAX, AND XXXX has not properly conducted an investigation regarding a negative account on my personal credit report. On XX/XX/2022 i certified mailed off a letter ( XXXX Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( Equifax Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. 
The account is : XXXX XXXX XXXX XXXX .... 
I unfortunately still have not received any hard copy documentation proof that i originally requested. I stated if unable to provide proof, please delete the account completely and immediately. I appreciate your time in this matter and i'm able to provide any and all additonal information needed to resolve this issue correctly.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NM)

On XX/XX/2022 I attempted to sign into my account. My username was not recognized. I requested that the username be forwarded to me. It was, and the username was the same username I had. I called and after a frustrating roundabout of automated questions I finally got a live person. She verified that I had the correct username and asked me to create a new username, which I did. I followed the emails she sent me to reset my password, but I still was unable to log in. She said my case would have to be escalated, and it would take 24-48 hours to receive a call back. I asked to speak to her supervisor. She said the supervisor would give me the same answer. I said I'd like to speak to the supervisor regardless. She put me on hold and then came back and tried to dissuade me from speaking to the supervisor by re-verifying my information, which I had already done with her. I asked her if it be better if I had her delete my account and then I could create a new account. She said that would be fine except that I would have to use a different email address. I said that would be no problem. She said she deleted my account. This is a short version of the call, which lasted 26 minutes. I hung up with her and then went ahead and attempted to create a new account as a new user. I tried twice with two different emails. Each time I received the following message : Oops, we're sorry! We have encountered an internal system error. Please note that your order has been canceled. Sorry about the convenience. Call us toll-free at XXXX. I tried to call that number twice and it was impossible to speak to a live person, and I was unable to resolve the issue. I am extremely upset that a credit bureau is so XXXX and anti-customer service. All I am attempting to do is have an account that will allow me to freeze and unfreeze my credit report per the request of my financial manager. My next step will be to contact XXXX XXXX in XXXX.
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

On Wednesday XX/XX/XXXX somebody did a transaction on my Chime account. The person basically wiped my account clean. I changed my password as Chime told me so. Later on a representative told me that I would get provisional credit in 10 business days. Instead of doing a proper investigation and provide the provisional credit, chime emailed me on the same day of the dispute and informed me that I wont get my funds back. I provided all the evidence and information they needed. The total funds stolen from my account was {$1500.00}. A {$1000.00}, {$300.00}, and {$200.00} transaction. Chime didnt do anything to stop any of these transactions. Given that there is a name to who the funds were transferred to, Chime still didnt block the person and recuperate my funds. The stealer won and I the person who worked hard for the funds lost. It took me 2 hours to get to their customer service and they were careless about the whole situation. They even hung up the phone on me.
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. (KY)

In accordance with the Fair Credit Reporting act 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
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. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-02-20
Product: Credit reporting 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. (MD)

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have providedXXXX XXXX XXXX XXXX XXXX dated:XXXX/22, XXXX XXXX dated : XX/XX/2022 Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.