davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
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)

I failed a dispute with the CFPB for Experian on XX/XX/XXXX stating that they are still reporting closed account and charge off and collections I have asked for proof of the validation requiring paperwork with my hand signature They have not but yet keeps closing my disputes and not removing the info they have failed to show proof this is my second time filing a dispute hopefully this gets taking care of I have sent them a second letter see law below They have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-08-01
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. (TX)

My credit score has dropped significantly and I'm trying to reach out to the companies but it only looks like they're automated services that are available. Doesn't look like I have any debts or have any major negative marks on my report recent or in the past. I've had excellent credit for many years so I don't understand what changed in the last few weeks and I can't get anyone to explain it either. 

I'm trying to get the credit companies to tell me what exactly happened. 

I know recently I've been in a victim of identity theft so I'm curious if that's the reason why or something else. Either way something is clearly wrong and I can't get the credit reporting companies to help me. 

Thank you so much
Consumer complaint received 2023-03-02
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: CITIBANK, N.A. (CA)

To whom in may concern, Thank you for taking the time to help me out with this matter. 

This case concerns Citibank/Citi.com 's unwillingness to assist me with a dispute they incorrectly filed and closed. 

I called Citi to get some help filing a dispute because their website was glitching. One of Citi 's representatives filed the case incorrectly, and no proof was submitted. I called multiple times in XXXX, and multiple agents repeatedly told me that a correction would be made and I would have a chance to submit supporting documents, and the dispute team would contact me. But to my surprise, the case was closed. 

After contacting them multiple times, again, and submitting all the proof, they re-opened the case. But today, on XX/XX/2023, Citi closed the case with incorrect info, saying I've received the full refund already when I clearly haven't. The image " Citi Denied '' should show how Citi 's statement about me receiving the full refund is incorrect ; it even shows that on the PDF.
Consumer complaint received 2022-08-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

This is an Accord and Satisfaction Complaint On XX/XX/XXXX, Someone from Carrington Mortgage Services LLC ( CMS ) Contacted me regarding a previous discharged account ( # XXXX ) claiming that I owe a debt in the principal amount of {$79000.00} ; and an amount due on XX/XX/XXXX being {$980.00}. In violation of 15 USC 1692c of the fair debt collection practices act by harassing me regarding this debt. 

On XXXX, the attached Affidavit of Demand for Verification of Debt ; and Notice Of Cease and Desist addressed to CARRINGTON MORTGAGE SERVICES LLC. Attn : XXXX XXXX Chief Financial Officer ( or Successor ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX & XXXX, XXXX, California XXXX was sent via Notary Certificate of Service and Return Receipt Requested # XXXX XXXX XXXX XXXX XXXX. 

Tender for this account by way of an negotiable instrument, ( postal money order # XXXX XXXX ) having a postage date of XX/XX/XXXX for full Satisfaction of all claims in accordance with the stipulated conditions set forth in UCC 3-311 has been executed. Which states, " the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of all claims ''. In support of the aforementioned, I submit the hereto attached Affidavit Of Tender of payment acknowledgement and discharge with Exhibits.
Consumer complaint received 2022-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2021-11-06
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. (FL)

Fact and opinion ... .how totally pathetic their inquiry to me confirms their inability to do even the very basics of reporting. Within your complaint my name and address clearly identified. By fact your application DOES NOT CAPTURE SOCIAL SECURITY NUMBER..The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) .... Yet these losers send me a delay letter asking for more information to confirm my identity. They have responded to you ... how??? Yes how did they respond to you when they do not know who I am????? This charade goes on and on time after time. Could it be their off shore staff does not comprehend English? They have my name, address l and birthdate. So I will give you the last 4 SS again because they need NOTHING ELSE but help to get things right. And while your at it fix your non functioning software which rejects the social security number XXXX
Consumer complaint received 2022-02-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Global Lending Services LLC (GA)

My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX and XXXX bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated in the report.
Consumer complaint received 2021-11-12
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: TD BANK US HOLDING COMPANY (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-06-28
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 (OK)

I have a Chime debit card which is issued thru XXXX Bank. On XX/XX/22 someone hacked my chime debit card info and charged approx {$200.00} worth of XXXX XXXX, liquor and food on my account. My card was not stolen it was still in my possession and I never give out my PIN numbers. I was at work during this time. I contacted Chime immediately and disputed the charges. I have no idea where the charges were from except the liquor was purchased from a place called " XXXX XXXX '' which is in XXXX XXXX. I have tried to resolve this through Chime but they say I need " reciepts '' or something to prove I didnot make these purchases but I have no information on even where the purchases were made or what state even. Chime has not been willing to help me with this information so I reached out to XXXX who has essentially said the same thing asking about police reports etc. I dont know which police dept I should report this too or how to obtain reciepts on things I didnot buy. I dont know what to do at this point. Do I just have to allow them to steal money from me with no recourse. I didnot know that I had no protection for fraud on this account which I have only had for less than a year. I would appreciate any help I can get on this.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (RI)

Credit card company report of non payment to credit bureau due on XXXX XXXX 2021 to drop XXXX credit score points when in fact the account was so current there were new balance of {$0.00} and minimum payment of {$0.00} on XX/XX/2021 statement. I have called customer service and they admitted it was an error. To resolve this they can not do anything but ask me to file a complaint
Consumer complaint received 2022-08-01
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. (NY)

Since XX/XX/XXXX I have tried to get the credit bureaus XXXX, TransUnion, and XXXX to stop violating my rights by reporting INACCURATE information. The credit bureaus keep sending me updated credit reports that shows they didn't do any " real '' investigation nor care that they are hurting hard working consumers who pay their bills on time. 

It is UNFAIR that every 30 days since XXXX, I have to take time to send letters, ID and etc to ask for them to delete XXXX XXXX account # XXXX from my credit report. I have sent bank statements ( PROOF ) that I was never late. 

I understand that the credit bureaus want to make money $ $ $ $ off of me by reporting false credit information about me. So I will contact every agency I know and an FCRA attorney if needed because this is my 3rd attempt to have this account deleted. 

I received my investigation back and updated credit reports. You stated that you completed a fair investigation, and this account is now 100 % accurate. 

I need to know how did you investigate this account? 

I sent you my bank statements to show that I was NEVER LATE, but I didnt see any proof that I was late from XXXX XXXX. In addition, I pulled my most recent report from XXXX, TransUnion, and XXXX on XX/XX/XXXX, and still see XXXX discrepancies that proves that you didnt do a proper investigation according to the Fair Credit Act 15 U.S. Code 1681a which states how you are supposed to investigate my consumer report. 

Did you ask XXXX XXXX # XXXX to supply their accounting records or you just took their word? 

Did you interview my neighbors? 

Did you interview my friends? 

Finally, how is it possible that everything is 100 % accurate for XXXX XXXX account # XXXX when my credit reports show the following inaccuracies : 1. Date Opened 2. # Of Months ( terms ) 3. Last Reported 4. Date Last Active 5. All credit bureaus are reporting something different for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You have violated multiple laws : 15 U.S. Code 1681 15 U.S. Code 1681a 15 U.S. Code 1681i 15 U.S.C. Sec. 1681i ( a ) I demand you delete this account from my credit report immediately! 

Account Name : XXXX XXXX Account Number : XXXX This is my 3rd letter requesting this account to be deleted and will hold you responsible for {$1000.00} per violation if this account is NOT deleted immediately! 

Send me an updated credit report showing that XXXX XXXX account XXXX had been permanently deleted.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 items : XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX US DEPT ED XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  Account # XXXX 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 without my written instructions
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : MARYLAND XXXX XXXX XXXX ) XXXX {$750.00} FCO ( Original Creditor : XXXX XXXX AT THE PARK ) XXXX {$4900.00} XXXX XXXX {$790.00}
Consumer complaint received 2021-11-12
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: ALLY FINANCIAL INC. (NC)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-02-18
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. (GA)

On XX/XX/XXXX I sent a letter to Transunion regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached evidence of previous deletion ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. 
As of today, it has been over 30+ days later and I have not received a response yet from Transunion . I feel like I'm being taken advantage of and being ignored by the credit disputes. 

This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.
Consumer complaint received 2022-06-28
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. (AL)

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 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 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 consumers report containing any of the following items of information Any other adverse items 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 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

My Chase XXXX XXXX XXXX XXXX doesn't show up in my Chase Account anymore under the login XXXX. It's just magically gone. 

I had XXXX points from a referral I did too. That's very convenient that the card does not show up anymore. If they terminated my account without cause then that's violating certain federal laws. I paid that card in full and built good history with it. 

In addition, I've been trying to get my card downgraded to the Chase XXXX XXXX XXXX card to avoid paying my annual fee for months and I've had no success. I want a refund of my annual fee that I paid last XXXX and a corresponding downgrade. Also I want to downgrade my Chase Sapphire XXXX card which I know is possible as well but none of your off-shore agents would work with me. 

1. Refund my annual fees on both those cards and downgrade me 2. Bring back my chase business ink preferred card back on my XXXX login as well as bring back my XXXX referral points 3. Downgrade the chase XXXX XXXX XXXX XXXX and please make sure I keep those points
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

on XX/XX/XXXX I NOTICED PENDING TRANSACIOTNS ON MY ACCOUNT THAT I DID NOT RECOGNIZE. I proceeded to report it to AMEX SERVE however I was told that nthere was nothing that they could do whikle the charge was still pending. On XX/XX/2021 i notified your organization ( American Express Serve, ect, ) of two charges that appeared on my account that I did not make. ( These charges and their specifics can be found in the attachments to this communication. Furthermore, in addition to not making the aforementioned charges I did not authorize, nor did I authorize another party, know of, or benefit in anyway from the transactions that were/ are in question. 

Despite the above facts, AMEX SERVE sent a communication to me on XX/XX/2021, indicating that they had investigated the matter and concluded that the transactions were infact authorized. Also, somewhat related to this issue ( but NOT THE SUBJECT OF THIS COMPLAINT. ) said organization sent me notice ( within moments of their email stating they completed their investigation on the unauthorized transaction. ) and this notice stated that my account was permanently suspended. No further information was given and subsequently I was locked from my account and other information. 


As prescribed by law, I have made demand on said organization for the materials that they used in their determination. All requests are not answered. Customer Service states that the account is permanently locked and they cant see or disclose anyhting I am not resposible nor am I suffering the lose for such transactions.