davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ID)

I had two atm withdrawals that I did not make. i immediately reported the transactions to chime banking telling them that it was fraudulent and was not me. They closed my debit card and said they could not do anything about the transactions until they processed because they were still processing on my account. There was one transaction for {$400.00} plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021 and then another {$400.00} withdrawal plus a {$2.00} ATM fee at XXXX XXXX on XX/XX/2021. I informed them that this was not me making these transactions and I still have my card on me and my phone and have not given my information out to anyone. They said they couldnt do anything until the transactions were processed once they were processed I called them back and again told them that these were not my transactions and that that money had been stolen. They said they were going to investigate it I never heard from anyone and then it said on the app that the investigation was closed and my claim was denied. So I again called them and told them that this was incorrect and they needed to re-investigate or do something because these withdraws were not mine I did not receive the funds. They said they were going to open the case again I have not heard anything from them besides that they say I have used this ATM in the past and therefore they do not believe that they are responsible for the withdrawals. I have since contacted the institution where atm that the withdrawls were taken out it is XXXX XXXX XXXX in XXXX  XXXX WA
Consumer complaint received 2024-08-17
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. (CA)

I am writing to formally request your intervention regarding a matter with Experian, XXXX and XXXX that has not been resolved despite my repeated efforts. I have sent letters to Experian on XX/XX/year>, and again on XX/XX/year>, requesting that they address issues related to my stolen identity and verify the accuracy of the information on my credit report. To date, I have not received any response from Experian by mail as I requested. 

In my correspondence with Experian, XXXX and XXXX I notified them of the identity theft, and I provided them with instructions to verify any and all accounts listed on my credit report with my original signed documents and physical verification as required by the Fair Credit Reporting Act ( FCRA ), specifically Section 609. Despite my clear demand, Experian has failed to comply with my request and has not provided the necessary verifiable proof or documentation. 

The lack of response and verification from Experian, XXXX and XXXX is a violation of the FCRA and constitutes a failure to address fraudulent accounts and unauthorized addresses associated with my credit profile. I am now left with no choice but to consider their inaction as fraudulent behavior and potentially a breach of my rights under the FCRA. 

Accordingly, I request that the CFPB assist in taking the following actions : Ensure that Experian, XXXX and XXXX deletes all fraudulent accounts and addresses that do not belong to me from my credit report. 
Obtain an update letter from Experian confirming the actions taken and the current status of my credit report.

Furthermore, I intend to pursue litigation to enforce my rights and seek relief under Sections 616 and 617 of the FCRA, which allow for the recovery of monetary damages due to XXXX non-compliance and any resultant harm. 

I would appreciate your prompt assistance in this matter and request an acknowledgment of receipt of this letter. Thank you for your attention to this urgent issue.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (FL)

I requested LCI to not share my personal infomration via their wesbite at https : //www.listconnection.net/do-not-share-my-personal-info/ and this failed ten times whlie in the submital process.
Consumer complaint received 2022-08-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Credit inquiries were fraudulently made in my name. These inquiries are still on my report after repeatedly disputing with the reporting agencies Equifax and XXXX. The inquiries are as follows : Equifax : XX/XX/202XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ND XXXX
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I intentionally withdrew {$280.00} from my checking account and waited for time to pass and deposited {$240.00} in the same account because of theft that has been given the kind eye and slipped through the cracks. Now that I have been insulted when your company " wachovia '' now " Wells Fargo is still doing the same XXXX XXXXXXXX XXXX I am exposing and suing. You people are XXXX XXXX and XXXX We have lost so much because of your neglect as a known wide company you should be grateful that we give you our business. Instead you have XXXX  in the background stealing as little up to Millions. I have been reporting to every proper Department far enough and I am sure our country and communities will take every action to resolve this issue once and for all. I have been robbed for over {$15000.00} through a bank that I've trusted ever since I had and opened a bank account with " Wachovia '' - now " Wells Fargo ''. My attorney will be in touch and everyone else that has been mislead by your company.
Consumer complaint received 2022-08-09
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. (NC)

In accordance with the Fair Credit Reporting act 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 2023-03-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp. (FL)

I had a leased vehicle that I invoked my SCRA rights on on XXXX XX/XX/2023 to break the lease since I was leaving for military service. I returned the vehicle at that time to a Toyota dealership. I received paperwork back on XXXX XXXX while I was at training showing the Early Termination Lease Liability amount I still owed. I called at XXXX on XXXX XXXX, spent over an hour, and was transferred to six different representatives including a supervisor ( XXXX ). I called back again in the afternoon at XXXX and spent another hour on the phone speaking with multiple representatives and a supervisor, XXXX XXXX again. The results are below. 
After clarifying the fees, I agreed that I owed the full bill of {$7200.00} and asked to enter payment arrangements for {$100.00} each month. I was told the amount was too low for them to accept, and so I would have to call in to the automated payment system each month to make that payment. When I was transferred to the XXXX XXXX, they said that I could not make a payment using my debit card, but would have to send in a check instead. The reason being that I had made payments in the past through that checking account that had been declined, so they would not accept any ACH or debit for that account. When I questioned how a check from that same account would be accepted, the representative said she did not know and they would just have to figure it out when the check arrived. I was told even if I made a new checking account that they would not accept payment from me for 18 months. I was told the only way I could pay a bill was to use XXXX XXXX and was given a code to use. When I went to XXXX XXXX and input the code, it directed to a different company called XXXX, NOT to SE Toyota. I did not proceed with a payment since I could not verify it would reach the correct company.
Consumer complaint received 2021-07-09
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: LoanCare, LLC (CA)

I have my mortgage serviced by LoanCare. My automatic payment for the month of XX/XX/XXXX, did not come out as it does every month. On three separate recorded calls with Loan Care, they have verbally admitted that the ACH payment did not come out due to " their internal error. '' The funds were fully available and my payment has never had an issue. I am someone who protects their credit score for more reasons than financial. My job requires good credit, due to the nature of my job and what it entails. This has really been very disruptive to my life, and it could potentially jeopardize my position and job, due to Loan Cares blatant, unfair, unlawful practices toward their customers. They said they would post the payment as current, however, could not do anything about the 1x30 derogatory reporting to my credit profile. I spoke to XXXX, ID XXXX, on XX/XX/XXXX. He was in the " escalation department '' and stated that it could be removed, after I explained what happen, and then back tracked and said, " well it has to go through our credit bureau department to see if it was an error on our end '' I advised him that on 2 recorded calls with LoanCare, Informative Research, and the processor from the company doing his current refinance, the agents advised Informative Research that they would show the payment as current due to the internal error, however, they can do nothing about the 1x30 derogatory. I am beyond shocked that LoanCare could conduct themselves in this manner, that is unfair, unlawful, to the 3rd degree. Reviews on several sites, including social media, have prompted me to write this to Business Oversight, to bring awareness and put them in regulatory radar from all the regulatory watch dogs. How can a business keep operating in a very suspicious unlawful manner. I am in the process of refinancing to better my home for my children and I, I am a single father. I want to improve the life of my children, protect my job, and move on, however this one 1x30 late is a wrench in the fair pursuit of a better life. Loan Cares has purposely avoided this issue.. I demand they remove this 1x30 derogatory mark. My record shows I have not missed any payments and I am not going to sit on my laurels for their mistake. Please help me to get resolution for their mistake!
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NC)

A representative from Argon debt collections reached out to me in order to notify me that I owe {$180.00} to XXXX XXXX XXXX for services at XXXX XXXX XXXX XXXX in XXXX ar. The rep shows services started on XXXX of XXXX, however I didn't move into that address until XXXX of XXXX. There is no possible way that I started service there.
Consumer complaint received 2024-09-24
Product: Credit 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: CLGF Holdco 1, LLC (IN)

Notice of fraudulent unauthorized transaction. 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 Was not authorized by me As this had caused my credit score to suffer
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

The Bankruptcy court does not report any information to credit reporting agencies or third party vendors. Per my dispute that was filed with XXXX and XXXX, the bankruptcy item was not deleted because they received information from a third party which is Lexis Nexis however, the information is not obtained through courts and was obtained through public record which is false and not correct. Both credit reports are reporting different dates and courts of record on my credit report which is inaccurate. I demand that the bankruptcy be removed from my credit reports. I have attached a letter from the courts. Thank you
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2020 a XXXX  payment was made to XXXX, little did we know that this would be a scammer but once we found out we went to the bank immediately and reported it. But Chase was unable to assist us, when I place my money in the bank I am expecting 100000 % security that if something goes wrong they have my full support if not dont provide me a service that doesn't guarentee protection. I called XXXX and they are investigating but Chase couldn't do anything for fraud on my account. {$500.00} lost my husband unemployed due to Covid and I can't afford lost money. I find this to be unacceptable.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc. (AZ)

On XX/XX/XXXX I received SoFi Lending credit card in the mail and I never applied for this card, someone stole my identity and charged {$4900.00} on the card. I called SoFi right away and told them I didn't apply for the card and that this is identity theft. They told me to cut up the card and throw them away and they would freeze the account and research it. Then I placed a freeze/lock on XXXX and opened a case no one has ever got back to me. So now it's on my credit report and showing non payment for past 2 months and my credit score has gone down XXXX points because of this. Today XX/XX/XXXX I signed up for Life Lock hoping they could help me get this removed from my credit report after I paid the XXXX and signed up, they transferred me to a different department and they told me they can not help me because it happened before I signed up. So I am at a loss again. I called SoFi again and they said I never applied for a fraudulent application which no one told me to do that so I did and I still haven't got a phone call or email back. I don't understand what is happening and why i can not get any help.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Repporting Act XXXX  account XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX 60 day 2 30 day laypayments, XXXX XXXX 6 30 day late payments, XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments 1 90 day 1 60 day 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 an account without my written instructions.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (PA)

I received a debit card from XXXX, issued by XXXXXXXX XXXX It's a business debit card and I do not own a business, nor did I apply for it. I believe that someone opened this account with my name and address, possibly also using my SS number. I already had my identity stolen earlier this year when someone applied for unemployment benefits in my name. From what Square Compliance customer service has told me, the card is prepaid so nothing will affect me. For privacy reasons they won't confirm any other details, but they've assured me that they will close the account and investigate. They mentioned reporting the incident but I doubt if local police could do anything so I'm reporting it here. I still have the debit card but have not used it or activated it myself.
Consumer complaint received 2021-07-09
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: I.C. System, Inc. (GA)

I've been a loyal customer of XXXX for over a decade. I have never been late in paying my account and am always current. I am still a XXXX  customer just to state the facts. XXXX opened an unknown account and there is a small balance of {$150.00} that is opened and has gone to collections due to their error. This small error has affected my credit tremendously and has left a negative mark on my credit report. Please remove this error and fraud account.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (GA)

On XX/XX/year> I sent the following email to LCI. I have yet to receive a response. 

Greetings. 

I am sending this email in regards to information I obtained from XXXX about a bankruptcy, in my name, being reported to them from your company. I called LCI on XX/XX/XXXX and the XXXX to speak with an agent directly but I was only able to get the answering service due to the call volume. 
I have questions regarding the bankruptcy being housed and reported to XXXX by XXXX. 

XXXX. Is LCI a creditor or a CRA ( Credit reporting agency )? 
XXXX. Have I, XXXX XXXX XXXX, applied for any credit with LCI? 
XXXX. Have I, XXXX XXXX XXXX, applied for employment with LCI? 
XXXX. Has LCI extended any credit or employment opportunities to me, XXXX XXXX XXXX? 
XXXX. From whom is LCI obtaining this bankruptcy information? 

I request a clear precise answer to each of the above questions. DO NOT respond with " your company will perform a 30 day investigation ''. This is NOT a dispute. This is a DEMAND FOR IMMEDIATE REMOVAL of the bankruptcy being housed and reported to XXXX. 
DO NOT respond with " Bankruptcies are public records ''. Unless LCI is a current creditor, lender or employer, then LCI doesn't have adequate reason for obtaining any bankruptcy information. This is a clear violation of my Fourth Amendment. " Right to be secure in their persons, houses, papers and effects ''. 
As it stands, LCI obtains and reports bankruptcy information for company profit. 

I approve of contact via email or phone. My phone number is XXXX email : XXXX I am only approving contact to obtain the necessary information to remove the bankruptcy from your records. 

Respectfully, XXXX XXXX XXXX LCI are clear violators of my Constitutional rights. They are also violators of the FCRA. They did not and do not have permissible purpose to obtain this information. They are not creditors nor lenders.
Consumer complaint received 2023-03-22
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 Accounts # XXXX, XXXX, 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 an account without my written instructions