davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
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. (PA)

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.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

Credit line with 5/3 bank since 2011. During COVID pandemic really trying to stay on top of payments and improve credit limit. Online banking amount that showed amount due always met and made by due date. However apparently what amount showed was not amount due at time. No notices, phone calls, emails. 5/3 Manager just stated that ran credit history and due to report they decreased credit limit by over {$1300.00} in XXXX swoop. No notification prior to change, letter apparently sent out day of ... .still waiting on that. However decrease was automatically lower than the up to date balance automatically placing me BELOW the alotted credit limit and therefore now have a negative balance which has already taken effect on my credit score!! No purchases made on card except one yearly membership due to trying to pay down credit and get our of debit. All determined focus in trying to improve my credit score has been crushed with one drop of XXXX points by this. No warning, no notice, just cut without reason!! In a World Wide pandemic and good pay history with company after almost 10yrs, this is how I am rewarded. I am more than frustrated that this can just happen. Where is the backing to the consumer ... ... I can understand if I hadnt made payments or there was a justified reason but this is really disheartening and now my credit score and livelyhood moving forward with XXXX XXXX  kids is just left to deal!
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

Source receivable receivables recovery XXXX XXXX XXXX, from address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX is aggressively attempting to collect $ 1220+ for the XXXX for collection AND REPORTED A COLLECTION ON CREDIT REPORT TO CREDIT BUREAUS FOR THE ACCOUNT THAT DOES NOT BELONG TO ME .... Numerous attempts to contact them via phone or mail only resulted in aggressive demands for personal information and demand for banking information and nothing from them validating this account nothing to prove that it belongs to my name to my social. Source Receivable keeps calling me XXXX XXXX but my name is XXXX XXXX NOT XXXX .... this is NOT ok ...
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (NJ)

I have been sending letters for more than 3 months to eliminate some errors or negative elements of my credit and the bureaus have not given me an answer. I feel like they are ignoring my requests.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to request that you correct inaccurate information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with accuracy and fairness, and I request that you investigate and correct the following inaccuracies on my credit report : Name : The following name is incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX The correct name is : XXXX XXXX XXXX Generational Identifier : Year of Birth : XXXX  Addresses : The following addresses are incorrect and should be removed : 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 The following address should be added : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Employers : The following employers are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employer should be added : XXXX XXXX Please investigate these inaccuracies and correct my credit report as necessary. Failure to correct inaccurate information would be in direct violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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. (IL)

I refinanced my only loan with XXXX XXXX last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXX IL office and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX  and Transunion all three to update and close this old loan and add the new loan. They can contact XXXX XXXX to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and XXXX to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (IN)

XX/XX/23 purchased groceries from XXXX for XXXX. 
XX/XX/23 XXXX was grocery total once picked up because they didn't have our creamer. Spoke with XXXX at XXXX on XX/XX/23 and she confirmed the XXXX was released back to our account on XX/XX/23. Chime took out the XXXX on XX/XX/23 eventhough the XXXX was already paid and released putting our account in the negative. Case XXXX XXXXXXXX through XXXX XXXX. Called them on XX/XX/23 and spoke with XXXX and she confirmed refund was processed as well. 
XX/XX/23 paid XXXX deposit to XXXX XXXX for hotel room. Spoke with XXXX at XXXX XXXX on XX/XX/23 and she confirmed the XXXX was voided and released back to our account on XX/XX/23. 
Spoke with 11 different reps at Chime on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 all confirming the money will be released in 3 to 5 days and nothing. Reps kept telling us not to worry and the funds will be back in the account as soon as the merchants release the funds, which was on XX/XX/23 and XX/XX/23 as previously mentioned. 
XX/XX/23 we closed both of our accounts. Spoke with XXXX XXXX through Chime 's support chat and closed my account and spoke with XXXX at Chime on the same day and closed my husband 's account. 

It was hard to understand names of the Chime reps because they all had strong foreign accents, but the names sounded like XXXX, XXXX, and XXXX. We were put on hold numerous times and they kept telling us the merchant has not released the funds. None of the reps or managers seemed to know what they were doing. We went to bed with a positive balance on XX/XX/23 and woke up to a huge negative balance because Chime took out the funds again after they were both released by the merchants and refused to refund the money and admit their mistakes.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called TransUnion where I couldn't get a live agent on the phone to speak with about the incorrect information on my credit report. I was then sent a text message where a agent texted me about the problem I was facing. The agent then told me that they could not help me being that it was texting. I told them I sent letters to them from FCRA stating that the hard inquiries was not authorized by me nor did I sign off giving anyone permission to pull my credit I wanted them to be delete immediately. The Transunion text agent then told me that someone will remove them soon and get back to me, but this is not a form of communication. She/he then tells me they will email me once they receive my letters in the mail. I did not email them in I asked for a signature so that I know that they have been received by a human and not the e Oscor system. I would like these items removed from my credit report as soon as possible.
Consumer complaint received 2020-07-30
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I have an account with Chase Bank On XX/XX/2022 I was trying to use my card to make a purchase however my card has been declined. I left the store and went over to the bank to see why my card was being declined I spoke to a young lady she told me my account was closed. why I dont know why? I never got any messages saying that my account has been closed and this was on XX/XX/XXXX its now XX/XX/2022 and every time I called the bank they giving me the runaround. I went inside one of the branch and spoke with a manager they told me what I needed to submit Proof of employment. I submitted everything that they asked for and Im still getting the runaround every week I called they tell me something different, they told me the last time that two weeks time I should be able to get my money its been two weeks since XX/XX/XXXX and now its XX/XX/XXXX. Now theyre telling me that the next two weeks I would be able to get my money from my account that they closed I really dont know what to do. My Rent is past due, my car payment is past due and I am not sure what else to do or where to go.
Consumer complaint received 2022-07-04
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. (NJ)

I have been sending letters for more than 3 months to eliminate some errors or negative elements of my credit and the bureaus have not given me an answer. I feel like they are ignoring my requests.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I contacted the clerk of court because there's a bankruptcy on my credit report and I asked them if they reported this to the credit bureaus and they send me a letter that they did not. I tried disputing this information and so far XXXX deleted this but Experian and XXXX are not deleting the information.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (CA)

I recently settled my account for less than the full balance. The company agreed that they would report this correctly on all of my credit reports after 30 days. However, through XXXX they have recently reported that I owe the previous balance of {$5500.00}. In addition, my XXXX report shows {$0.00} balance ; yet, it still reads " charge off '' when it should read " settled for less than full balance '' in the remarks section. They agreed to settle for {$1600.00}. It is now XX/XX/XXXX, almost 90 days since I have settled with them. I completed settlement payment on XX/XX/XXXX, and I expect my credit reports to accurately reflect the current information.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Consumer complaint received 2022-05-25
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. (VA)

XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, the above companies has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, my rights have been violated and the following companies has information that is not 100 % correct on my report. There are several accounts I have asked the company to investigate every time they come back with the solution the information has been updated. The companies I have disputed has been incorrectly reporting dates since charge off for over two years with a balance. Also, I have sent in information to creditors to validate my debt which hasn't been validated. I have asked Experian several times to properly investigate this matter as well as send me information to whom they have contacted to investigate. None of this has been done it's been about three to four months now and I still have this information tarnishing my report.
Consumer complaint received 2022-02-11
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. (CA)

XXXX / 90 days late in XX/XX/2015 and 120 days late in XX/XX/2015. 
XXXX / 90 days late in XX/XX/2015 and 120 days late in XX/XX/2015. 
XXXXT / 90 days late in XX/XX/2015 and 120 days late in XX/XX/2015. 
XXXX / 90 days late in XX/XX/2015 and 120 days late in XX/XX/2015. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (MD)

I took a title Loan with Mariner Finance in XXXX of 2021, it was a loan for {$5000.00} dollars. 
I was under the impression that my vehicle would be used as collateral if the loan wasnt paid off. But this company has put themselves on my auto as a second lender! Also, I was told that the payback amount on this {$5000.00} loan would be {$6000.00} by paying {$190.00} by weekly! I committed to my payback obligations for over a year and was making my payments on time. I even made a lump sum pay of {$1800.00} dollars to get the loan down. I then contacted the company because I could not access my payments or balance amount on their website. At which time I was told I had a {$4000.00} dollar Balance!! HOW I asked, and thats when I was told this is an interest based loan and the amount increased over time due to interest. I have since stopped making payments on this scam and I am constantly being harassed by the company. I have attempted to make a deal with these people and showed them that the debt is actually satisfied. I need help with this Matter because I truly feel it is a scam.
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (TX)

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 2023-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/2023, I created and mailed a letter to Comenity requesting documentation with proof of my identity about Account Number : XXXX and I have yet to receive a response. The timeframe has exceeded the legal time frame for the documents to be produced. I have no idea how to get the documentation and I am in need of assistance at this point. According to the FCRA, I am entitled to receive these documents upon written request and now they are violating my consumer rights.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MI)

My lawful and factual claim was close without merit or interruption based on expost-facto law. No interruption of terms occurring even after they were successfully prosecuted for use of excessive interest rates by their own Attorney General Office In Iowa, recently after my complaint. 

The MCL is on the books as a factual existing Law. The fact that their claim is after the fact is a matter of law. Contractually, whether I was aware of the law at the time of contracting ; the law existed. " Per Michigan statutory interest rate ceilings Part 1 Lenders subject to credit reform act '' in their factual existence are Criminal. 

Whereas, Sanction of the loss, or from the use, of interest will be barred for the use of interest barring contacts over 25 % and shall be imposed in a court of law. 

Giving me grounds for Suit for rescission and criminal usury if so needed. The reply was received in full details TODAY XX/XX/22. I claim to believe the current regulation MCL 438.41 in Michigan. I provided protects consumers. 

This is brutally affecting my credit score. Bringing it to a dangerous levels and I should have the all around protections of the bureau.