davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

My card was stolen after I made a purchase at a local package store on XXXX XXXX. 3 hrs later I saw all of these charges on my card and immediately alerted Chime Bank. They cancelled my cards and sent new ones. I filed police reports, sent screenshots of what I was talking about and did everything that Chime asked me to do to " prove that it wasn't me using the card '' to no avail. Four months later and they won't refund my money and they will not give me specific reasons that my disputes were not accepted and they won't advise me what I can do to get it approved. I was hustled twice. Spoke with managers and still nothing. They agree that {$370.00} in small purchases at convenience stores that I have never shopped at and sending XXXX  funds to someone on a card that I have never used XXXX  on are all signs that my card was stolen but they refuse to make me whole. I have disputed their " investigation '' twice now and all that has changed is that it is four months later.
Consumer complaint received 2021-10-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I was looking through my credit report and these unverified accounts still reflects negatively in my credit report. I've asked each one of them along with the credit bureaus to please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature and me authorizing an inquiry. In the absence of any such documentation bearing my signature. and I formally request to remove these unverified negative accounts and all non-account holding inquiries over 30 days old in my credit file. Please note that Ive given them plenty of time to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-11-21
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. (MA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX XXXX  Experian XXXX  Account # : XXXX XXXX XXXX Balance : {$230.00} {$230.00} {$230.00}
Consumer complaint received 2023-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I tried to get a home loan or mortgage? From hunting national bank. It was taking forever! My loan officer said that I got the loan just need the finale approval. But I had to get flood insurance not a quote. But I had to purchase it so I did. Weeks later a different lady called me and said I was denied. Said my credit score went up. I said YES. How else could I pay for the flood insurance and even needed some car repairs. But the flood insurance is XXXX. And I'm out that. I don't know why I didn't get the loan I would have been out of debt. I'm also working with Helpwith my bank. But huntington is in no hurry! Help with my bank said there waiting for them to respond. I have a guys email and number and I have wrote him twice with no answer. I hope you can help me? Thank you XXXX XXXX. XXXX
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I SENT ALL NESSASARY DOCUMENTS XXXX REMOVED ALL THESS INACCURATE ITEMS OFF REPORT XXXX  AND TRANSUNION STILL SHOWING THESSE ITEMS
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collections : 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 XXXXXXXX Experian ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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 XXXXXXXX EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2020-11-21
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. (MA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX TransUnion XXXX  XXXX  Account # : XXXX XXXX XXXX Balance : {$230.00} {$230.00} {$230.00}
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$600.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 2021 {$510.00} file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( 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. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CT)

Ed Financial Services reported {$650000.00} XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX XXXX to Ed Financial. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as ED Financial. 

There is student loan moratorium and ongoing litigation regarding student loan forgiveness. Student loans servicers should no longer be granted credit reporting access.. The Dept of Education should remove this granting authority. I do realize this has happened to other people when servicers change.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (OH)

Please delete the following account. They are a violation of my federally protected consumer rights. USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written consent. This accounts have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

US Code 1681 a5 no consumer reporting agency may make any consumer report containing any adverse item of information, other than convictions of crimes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are in violation of my rights and hippa Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (GA)

I was a little low on my Checking account for the monthly service fee and the bank took the service fee and made my account in overdraft status. I went in and the teller informed that the fee is paid regardless if you are elderly or not. I couldn't believe what I was told so I put money that I didn't have in the account to bring it current because the overdraft fees can become very costly and you can be put into XXXX XXXX for an overdraft account. This is terrible because these bankers make money off of these accounts without people even knowing it. They get insurance and make money every month for you staying alive. There are many deceitful ways that the bank makes money off of the people. when you make a deposit they make it seem as if they are making a deposit in their accounts.as well and call you an authorized user but you open the accounts and all these banks need is your signature and they can go to the Treasury and get deposits for them to do whatever they want to.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P. (TN)

In XXXX of 2021 I sold my home and paid off my mortgage with Service First Mortgage. I have been trying to get my escrow disbursement ever since. We have already had to have one check canceled because it never arrived. Servicce First keeps telling us the check is in the mail but we have yet to see it in all of these weeks. Mind you, we have received several other items of correspondence from service first and none of them took more than a week to reach us. Service First refuses to send the check any other way than snail mail. They refuse to put a tracking number on it. I want my money!
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WA)

Synchrony Bank, Formerly GE Capital Retail Bank, keeps lowering my credit limit on my XXXX XXXX store card. This card is the only card that keeps lowing my credit limit. By lowering my credit limit they are hurting my credit score, this is effecting my available credit ratio, and decreasing my purchasing power. 

I also have not received my last two statements. 

I've talked with Synchrony Bank about this. I've talked to my local XXXX XXXX store manager about this issue multiple times. He tells me there is nothing he can do.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.L. Zager P.C. (NY)

it was discovered that M.L.ZAGER, P.C had made a hard inquiry under my name XXXXfor an amount of XXXX. I am reporting it as fraudulent action because they use my info to do that.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION ()

My wife XXXX XXXX went to a Branch of Navy Federal Credit Union in New Jersey, over there they says you're very nice and helping a lot of people in need, so we will have to pay {$5000.00} plus {$3600.00} for the Wedding Certificate, and they gave a Document I'd like to attach with this message, as I have seen I paid {$8700.00} to Tax manager XXXX XXXX as instructed by you with the receipts. Why do we have to pay one more time at the Credit Union? anyway I reported to the U.S. Treasury Inspector General for Tax Administration ( TIGTA ), to arrest Tax-fraudsters already, who will be liable to pay {$5000.00} + {$3600.00} + {$1500.00} = {$10000.00}? 
So if the Navy Federal Credit Union won't be able to respond properly, I will file a complaint to the USA Financial Ombudsman and someone will pay an interest rate of % 8 on the amount of $ XXXX according to laws of The US . 
This is a deceptive scheme to delay my funds to my XXXX XXXX XXXX XXXX Account. No Financial Business charges fees like that. 
so please sort out this matter as soon as possible if not it is too late
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK (TN)

My husband died 8 weeks ago unexpectedly from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX in XXXX  and had no life insurance. I filed bankruptcy but then submitted a voluntary dismissal from that court. I am in possession of the court ordered dismissal granted XX/XX/XXXX, XXXX Credit reports do state the dismissal however, I was denied a prepaid credit card by Discover Bank due to " bankruptcy ". I did speak to two account managers this morning but was told they will not take into consideration the court ordered dismissal as well as the fact my home was purchased cash as well as both vehicles being fully paid for. My water bill of $ XXXX arrived last week yet I did pay {$400.00}. Electric bill was {$110.00}. I paid {$300.00}. This, to me is discrimination. I am currently paying XXXX XXXX XXXX {$540.00} a month for four years for the debt. I do receive {$3100.00} per month in VA benefits and SS.
Consumer complaint received 2021-03-02
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: Resurgent Capital Services L.P. (DC)

I have submitted various complaints regarding LVNV LLC an erroneous item on my consumer report. I would like to point out a few violations that both LVNV and XXXX  and XXXX has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of XXXX  and XXXX they are as follows.

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my written instructions to remove the erroneous LVNV LLC account from the credit report and credit file.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/11 I received emails from XXXX XXXX and XXXX  that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my XXXX  report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX XXXX XXXX.