davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-11-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

I initiated a withdrawal of {$100000.00} on XXXX from my Apple savings account by Goldman Sachs ; the transaction said in progress but nothing was moved. By XXXX I started calling customer service. At first they said they saw no issue that the external account was verified and that I should receive my money no later than Monday XXXX. On XXXX still no money and I contacted the receiving bank, XXXX, and they said there is no sign of any pending transaction or anything initiated. I called the GS customer service on XXXX and they said that I needed to talk to the fraud department. I told them to close the account and that I didnt trust the bank. It took me XXXX hours to get the fraud department, they sent a pin to my phone and she claimed she had fixed the verification and that they needed the back office to release the funds and she didnt know how long that would take. It is now XX/XX/11 and there is no sign they have released or sent the funds. When I call them, it still says in progress as of XXXX, there is no evidence they are willing to release my funds. 

Attached are screenshots of the account showing the initiated transaction and pending status and the receiving XXXX account not showing the transfer of the $ XXXX.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/XXXX I sent a electronic transfer to XXXX XXXXk I sent payment to the wrong account number. Once I realized it I called for a reversal. Ive waiting for Navy to send reversal and nothing has happened as of yet. 
I explained to navy Federal that of investigation process takes over 10 days which it has I should be provided provisional credit ( they said they couldnt ) I also informed them that under the EFTA it protects the consumer and Im only responsible for 50.00. Im still waiting for my funds to be refunding. After speaking to XXXX she states that she couldnt give me provisional credit I am aware under the EFTA ACT was passed by Congress in XXXX my XXXX XXXXr this act protects diners with electronic transfers. Navy Federal has not following this law. I have also submitted complaints with the FTC. CURRENCY COMPTROLLER. XXXX XXXX XXXX FDIC Please help Since Im here Ill mention that my credit card is not open ended and by law it should be please check into that too.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

On XXXX Of XX/XX/XXXXi was XXXX XX/XX/XXXXand XX/XX/XXXX by a individual staying at a hotel in XXXX XXXX NJ, with that being said my wallet was stolen and my computer and phone. i had reported to the police and there's a large investigation going on regarding this matter. 

I was and still am mentally not okay and been trying to recover from this the best way i could.but a couple of days or weeks using my online debit card to make purchases I began seeing charges on my card and I started to report them to Chime which is well was my banking institution. the first charge was at a XXXX XXXX. the charge was for XXXX and then a couple of more for the same prices but only one was clear at the moment. i filed a dispute on that one which is what the bank told me to do and it got approved. and i received my funds back. 

A couple of days later i filed the rest of the dispute which added up to XXXX all form the same merchant XXXX XXXX. but this time around i was denied for a dispute i filed a week before and was approved for, so i put in the dispute again and again denied. I have submitted a police report, i sent a letter from the merchant themselves saying i am not the one that set the charge. that my card and id was used by someone else. as well i gave hospital records sayin i was in the hospital during the time of the charges recovering from the attack. and still denied i been submitting this rebuttal more than 15 times in the past year and continue to get denied with as much documentations given. all my other financial banks had repaid me for any unauthorized charges but chime does not get it was not me using my card and they are stating i was using my card around the area of the location of the charge, and that's because i lived 4 blocks away form the motel, the motel is known for drug addicts and illegal conduct. which is where they found my attacker after the attack and i was using my account it wasnt with the card but my online wallet on my XXXX account i had no money or cards after my attack so i had to use my ewallet to get money.. i have not use chime since because i can't believe after all that documation given they cont. to deny me. it sickens me because they making me fall like i am lying about my attack my complaint is with CHIME BANK
Consumer complaint received 2022-11-29
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: Spring Oaks Capital, LLC (GA)

Provide the orginal copy of the written notice of debt sent also provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/2022 Sunrise Credit Service furnished an alleged debt to consumer reporting agencies XXXX, XXXX and XXXX. Sunrise Credit Service reported an unauthorized account claiming that it was a collection in the amount of {$370.00} XXXX. Sunrise Credit Service also furnished an address which has no association to me and never has claiming that the address belongs to me along with the alleged debt. Due to the fact that Sunrise Credit Service never sent me any notice, I the consumer was never allowed to dispute the validity of the alleged debt or given the opportunity to avoid the inaccurate, unfair and bias credit reporting that has caused me to suffer great XXXX XXXX XXXX XXXX XXXX. I sent Sunrise Credit Service a notice disputing the validity of the alleged debt and have not received any documentation requested leaving me the consumer to suffer even further. I have no contract, agreement or dealings with Sunrise Credit Service yet they somehow obtained my personal Identifying Information without my knowledge or consent and used it with no authorization from me the consumer. Sunrise Credit Service has invaded my privacy and defamed my character all while using abusive, deceptive and unfair debt collection practices. I will not stand for the abuse and as a consumer I will not allow a fictitious debt collector injure me any further.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I was paid XXXX auto deduct from bank account. XX/XX/XXXX Negative Charge off on my credit report. I contacted XXXX referred to XXXX. Balance " XXXX '', I paid XXXX. After over 20 disputes to Experian & 50 + to XXXX who does not check my payments. XX/XX/XXXX XXXX XXXX Branch Mgr. took the time to research. Attached letter. XX/XX/XXXX they started sending me checks for overpayment made auto direct bank account. This shows a Red Negative On Experian Report. It should show over 60 days Not Negative Red. This is seen as a bankruptcy or judgement. I paid ... Experian sends to XXXX   who refused to remove RED negative Chargeoff NOW {$6900.00}. XXXX XXXX XXXX removed from report this dispute with attached letter. Please help me, Experian should remove RED negative. It will show on 60 over category. I have 3 other accounts I paid over 60. This is the only account with RED negative. My score XXXX I am XXXX with fixed income. I spent my retirement check paying all debts. This is wrong and Experian will not code correctly. This is my last resort, I will have charge off for 7 yrs on account I paid in full. As it turns out I paid TOO much. Good luck and God Bless
Consumer complaint received 2022-07-25
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. (RI)

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 : states a consumer reporting agency can not furnish an account without written instruction or consent. Please provide proof of written consent.
Consumer complaint received 2022-10-18
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: LAKEVIEW LOAN SERVICING, LLC (AL)

XX/XX/22 I was notified via a XXXX XXXX XXXXXXXX email that my credit application has been accepted. I forwarded the email to their XXXX address. XX/XX/22 I received a text message from XXXX stating that I would receive my credit card in 14 business days. I contacted XXXX and they verified that my identity had been used to own a credit card account. The fraud department has closed the account and opened an investigation. 
I was notified earlier in the month of XXXX that mine and my husbands identity were found in a data leak from our previous mortgage servicer. I suspect that the 2 incidents are related.
Consumer complaint received 2022-06-04
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. (MI)

I have tried to send letters to XXXX, XXXX, and Transunion. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2024-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (OK)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2022-06-04
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: WELLS FARGO & COMPANY (GA)

I XXXX XXXX noticed on XX/XX/2022 that I had a new inquiry on my XXXX credit account from Wells Fargo trying to get an loan. I XXXX XXXX never tried to apply for a loan with Wells fargo for the simple fact that I know I wouldn't have got approved myself. I don't know how much the loan was placed for.So i'm asking that the inquiry get removed from my XXXX account because I didn't apply for a loan. I wasn't in need of a loan at the time the loan was placed.
Consumer complaint received 2022-06-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXX DEPT OF ED/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 2023-01-29
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. (TN)

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 USC 1681.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 602 A. It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681 C ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than record 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 reporting agency if the person knows or has a resonable cause to believe that the information is inaccurate. 
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
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

Ive called experian and asked them to removed old personal information, they removed inquiries but never removed old incorrect fraudulent address. I asked them to remove old number and old address and employment history. And emails XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a Accounts : XXXX XXXX Balance : {$770.00}, XXXX XXXX Balance : {$340.00}, XXXX CARD XXXX Balance : {$2200.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts will be CORRECTED.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2019, Midland Credit Management Inc add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Midland Credit Management Inc has violated my rights as a consumer and now I request legal action to remove this account immediately.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Good Morning! 
The reason why I'm sending this complaint is that my bank has just closed my bank account and I will not have access to it. The reason for this was a few weeks ago I was a Victim of a scam, a person told me he was gon na pay me {$2500.00} if he could use one of my posts on XXXX to make a painting/Mural, I said that to was fine because the account looked very legit, he sent me two checks one for {$500.00} and another one for {$1000.00} I deposited to my account and the next day the money was on my account, he then started threatening me telling me to send money to this person or else my account was gon na be on negative, because I was extremely scared I sent the money to two people he told me to send it to, after that he sent me another check fro XXXX dollars and told me to deposit it, once he told me that I didn't want to deposti it so I said no because I realize he was a scammer, so then he deleted the check from my bank account and then my account turn to negative and he told me if I want to get my money back I needed to deposit that check, so I did deposit it than the bank emailed me saying that those checks were false, so I block the person number and I tried to make some claims to the bank but since the transitions were complete they couldn't give my money back, after that a week later they sent me a letter saying they are closing my account because of the false checks, and I am really worry because 1- i lost all my money, 2- i have a lot of bills i have to pay and i tried to deposit money to my account so it wont be on negative but i couldn't because i do not have access to my account and all i want is to recover my account so i could be able to pay for my bills and i do not have any financial problems in the future. i ended up losing {$1900.00} dollars which were what i was gon na use to pay for my college books and tuition, but I was the victim of scammed and i lost everything.
Consumer complaint received 2022-07-25
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. (PA)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2024-10-10
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. (OK)

I noticed three different XXXX XXXX XXXX accounts reporting on my credit report about a year ago. All three of these accounts has misinformation being reported so I disputed with the three credit reporting agencies. The credit reporting agencies never responded to me however, I do monitor my credit and nothing changed, all three account were still not reporting correctly. So, I decided to send a letter to XXXX XXXX XXXX asking them to correct, complete, and verify what they're reporting for all three accounts on XX/XX/XXXX. I did not get a response from them either so I sent another letter asking them why they did not respond and that they're verifying inaccurate information on these three accounts on my credit report on XX/XX/XXXX. I still did not get a response so I decided that I was going to continue to send them letters until they responded. I sent letters asking them to fix the errors that they continue to verify on these three accounts with the credit reporting agencies. I sent letters every couple months XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and finally on XX/XX/XXXX which they finally responded to on XX/XX/XXXXXXXX They ignored me for a whole year and then finally responded within 3 days! now, I'm disputing three different accounts and I've been sending three different letters every time but in this response they don't acknowledge which account they replying to, just that they reviewed my letters and needed more information to investigate. They asked for a " specific '' complaint and a " specific item ''. In all three letters I provided everything, the account numbers they're reporting, the misinformation they're reporting and verifying, and every letter I've sent has been very specific and detailed with all the information required for them to investigate. Then they went on to say my letter was " frivolous and irrelevant. '' And if that wasn't enough, after ignoring me for a year, finally responding that the didn't have enough information which they do, they ended their letter telling me that they were going to charge me " {$30.00} per our to research my information '' and charge me a " {$25.00} hourly reconciliation fee '' for me asking them to correct the errors they're reporting and verifying with the credit reporting agencies. I don't see anywhere on the CFPB website or online that companies can charge the consumers who ask for compliance with the Fair Credit Reporting Act. To me this sounds illegal and violates my rights as a consumer and that's why I'm filing this complaint.