davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-30
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)

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. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. Please remove this fraudulent accounts ASAP.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

I made a purchase online through XXXX XXXX When I went to pick up the item the address provided was fake and the seller wasn't there. I called the police and filed a report and immediately reported to my bank and cash app. XXXX XXXX told me they could not get the money back and to try my bank. My bank refunded one of the three transactions and then proceeded to tell me that they could not refund the other two as they had no way of getting the money back from the seller. Chime told me I should ask the seller for a refund. I explained it was an internet scam and the seller was not responded. Chime claimed they could do nothing to get my money back as I did authorize the transfer. I explained to them I wasn't arguing the authorization but the receipt of goods. Chime proceeded to tell me there was nothing they could do and refused to give me contact information for seller or XXXX XXXX. All information was provided to settle in sellers favor but when I requested proof Chime sent me a heavily redacted copy that had the contact information blocked out. I have copious documentation to support my claim and all the information provided from chime. I only want my money back. Chime wants me to believe the seller has a one way money account and they can't zap money back out. Absolutely ridiculous!
Consumer complaint received 2023-01-19
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, has violated my rights. 
I will be submitting, the Letter I received in the mail today, on the Letter i highlighted all violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( K ) 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 2024-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NJ)

I was sent {$50.00} from my friend XXXX this morning I got the email and everything but won't let me log in from my new device. Even though I have my password email and a confirmed received text to claim my {$50.00} that I really need. It won't let me even log in now!!!! I really need my funds.
Consumer complaint received 2022-12-07
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. (NV)

i recently reviewed a copy of my crediy report. i was really mad to see i had been a victim of identity theft. i found a account on my credit report that was not open by me. this has been hurting me at buying my first home and im having my second child this year at the age of XXXX. I finally have a family now! - ) please remove this fruadulently open account from my credit report soon as possible!
Consumer complaint received 2023-06-13
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. (VA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (FL)

Someone stole my credit card They spent money and I canceled my credit card Suddenly I see charges on my account from my debit card. My debit card was not stolen. 
I had to cancel both my debit and credit card as soon as I saw the charges on my account. 
Chime said that they would help me. I see that they said that this matched my spending velocity. 
I told them I have never purchased anything from any of the merchants. I sent them the police report. I keep getting messages that the investigation is closed only hours after I opened the dispute
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has taken out {$300.00}, each month, for XXXX ( XXXX ) months, from MY credit union ( XXXXXXXX XXXX XXXX XXXX  ) WITHOUT my permission, and applied those amounts, by electronic transfer, to my daughter 's Capital One car loan in South Carolina ( she has a different name and separate account ). I have called Capital One XXXX ( XXXX ) times with no representative knowing ANYTHING. They didn't know where it went. I then contacted my credit union and they were able to figure out where it went in less than an hour. Below are the dates and amounts : XX/XX/2022 - {$300.00} XX/XX/2022 - {$540.00} XX/XX/2022 - {$300.00} XX/XX/2022 - {$300.00} XX/XX/2022 - {$300.00} Total - {$1700.00} I have contacted them, again, and requested they send me a check and to also let the payments stand on my daughter 's account. I don't know how Capital One was able to do this. Any help will be greatly appreciated. To date, I have heard nothing from Capital One. 
XX/XX/2022
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU (CA)

I'M A VICTIM OF IDENTITY THEFT AND SUBMITTED MY PAPERWORK TO THE CREDIT BUREAUS. THERE WERE TWO COLLECTION ACCOUNTS WITH THE SAME COMPANY THAT SHOULD HAVE BEEN REMOVED BUT ARE STILL SHOWING AND THIS IS HOLDING UP THE PROCESS OF ME BUYING MY HOUSE. THESE ARE THE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00}, CXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$2400.00}
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On Friday, XX/XX/2022, I used Venmo to pay my son 's after school tutor. Her fee was {$75.00}. I accidentally entered {$7500.00}. As I tried to cancel the payment somehow I hit pay. There is no option to recall the money at Venmo even if there was a mistake. Venmo also charged me a {$220.00} fee for the transaction They then stated that I needed to have the person I paid send me the money back to me but then they would have to pay a {$220.00} fee. {$450.00} in fees for a simple, XXXX finger mistake. I called my credit card company and filled a chargeback dispute. They said they couldn't do anything until the charge hit my account but then it could take 75 days before the investigation would be complete and there's a chance I might not be reimbursed for the {$7500.00} and I would not likely get the {$220.00} transaction fee back. None of this seems legal or right. Please assist.
Consumer complaint received 2023-01-26
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: JPMORGAN CHASE & CO. (TX)

I received a copy of my credit report and I have found the following items listed below to be in error. This account is listed late and a charge off and that is incorrect. The following accounts were never late and should be listed as PAID or PAID AS AGREED. 

Account Number : XXXX Company : JPMCB CARD Address : XXXX XXXX XXXX, XXXX, DE XXXX I was never late on XX/XX/XXXX. This account was not a charge off either. It incurred fraudulent charges that exceeded the credit limit allowed by Chase. I talked to Chase customer service about it and they told me to pay off the original amount which I did. They never told me it will be reported late or charged off during my conversation with them. The account was settled in full in XX/XX/XXXX. However, they continued to report it late and as charge off till XX/XX/XXXX. There are also inconsistencies in how it is reported to different credit agencies. For example on XXXX it says " late '' then says " XXXX XXXX '', then says " Negative ''. On XXXX it says " Charge Off '' which is incorrect since I paid it as agreed. On XXXX it says " Payment after charge off '' which is incorrect as well. This account NEVER went to collection and it was never charged off. I paid it off to Chase as agreed with their customer service agent. 

In accordance with the Fair Credit Reporting act, JPMCB  Account # XXXX has violated my rights.

15 U.S.C 1681 section 602a states the Accuracy and fairness of credit reporting. I feel the account number above has been reported incorrectly across different credit agencies.
Consumer complaint received 2023-03-13
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)

It has come to my attention that XXXX, Experian and XXXX are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at Capital XXXX opened on XX/XX/XXXX Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX, an auto loan account opened at XXXX opened XXXX XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX Cred XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, Medical account opened at Synerprise account opened on XX/XX/XXXX account number XXXX, Property Management account XXXX at Management Supp opened on XX/XX/XXXX account number XXXX, and Public Record XXXX XXXX Chapter XXXX Bankruptcy opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, and Arizona XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (TX)

We were going to open a XXXX acct and decided before our time period we didnt want to and stayed with XXXX XXXX XXXX XXXXXXXX sent us to a collection company Convergent Outsourcing. I call this collection company and offered a settlement payment if they would not report to credit bureaus or if they had to remove the account completely. They agreed. We made the settlement payment but they did not do what they promised and it is showing on our credit bureaus and we want it removed as it is destorying my credit
Consumer complaint received 2023-04-10
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. (VA)

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 reports no consent is fraud.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hunt & Henriques (CA)

A law firm, Hunt & Henriques, sued me for debt that wasnt mine, and did not serve me properly. I didnt even know about the lawsuit until I got a notice that a lien was placed against me in the county. The law firm filed a sewer service proof of service, when I was actually in a different state. This unethical action allowed the law firm to get a default judgment against me for debt that I didnt owe. This law firm even attempted wage garnishment through the sheriff, and has a lien against me. I called them and they will not agree that they improperly filed documents for debt that isnt mine. Their contact number is XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-26
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. (CA)

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

Account # XXXX Account # XXXX 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 instruction 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 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX, XXXX : I tried to temporarily remove a freeze on my TransUnion credit report via their website and received the error message " UNKNOWN ''. I called TransUnion and was able to remove the freeze after a 20 minute long call. I was told I would be contacted in three to five days to correct the website problem. I was never contacted. 

XX/XX/2023 : Once again tried to temporarily remove a freeze on my TransUnion credit report via their website and again received the error message " UNKNOWN ''. I called and after the 30 minute call was told again I would be contacted in three to five days to correct the website problem. I was never contacted. 

XX/XX/2023 : Checked the TransUnion website and saw that I still could not freeze/unfreeze my credit report and this time used the TransUnion " Chat '' option and after 15 minutes was told again I would be contacted in three days ( it would be expedited! ) to correct the website problem. I was never contacted. I have a copy of the chat. 

As I said in the chat " I want the ability to lift the freeze whenever I want. 
just like with all the other credit report agencies ''.
Consumer complaint received 2023-03-13
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: CITIBANK, N.A. (PA)

There are hard inquiries on my report from XXXX on XX/XX/2023 and XXXX XX/XX/2023 that are not mine. I do not live in Ohio nor have I attempted to obtain retail credit with either of these businesses.