davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

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 XXXXXX/XX/XXXX THESE ARE ALL FRAUD HARD INQUIRIES
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

XX/XX/XXXX aprox XXXX researching online for help with XXXX Product when acquired a contact number for XXXX via ad. Contacted and advised my problem they said they could help me. Upon talking with Technical Support and them directing my to my conclusion it turned out I was the victim of Criminal Fraud which they remotely logged into my phone and wiped my account of my remaining {$1200.00} of my XXXX check. Immediately called Chime and reported the incident and they advised that " No Error involved '' meanwhile I've reported to FTC, IC3 & XXXX. Now 20 days later Chime still refuses reimbursements of stolen funds. Please help in any way that you can. I have just came across your organization so I reported to your company also.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have 2 accounts with XXXX XXXX both had incorrect monthly payments and they were using my full balances for the monthly amount. Experian has corrected these numerous times but after a month it defaults back to the incorrect monthly amount. As per our monthly agreement I pay {$100.00} auto out of my checking account. Making account # XXXX {$36.00} per month and the other account # XXXX {$64.00} per month = {$100.00} for both. 
XXXX has been corrected AGAIN but XXXX has NOT!!! I have multiple before and after corrections, direct from Experian 's own App. I have called, disputed, uploaded and now it is holding up my home mortgage application!!!! 
Please help!! I don't know how much simpler I can explain.
Consumer complaint received 2023-09-23
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)

My credit report shows 12 open acct with XXXX XXXX XXXX but all the accts are open as well with XXXX same 12 accts with same balance so it is reflecting on credit report as {$110000.00} when it should be half of that amount shows as duplicate just different name
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-26
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. (OH)

Wife passed in XX/XX/2019. At that time, when I submitted credit applications, I was listed as dead. I finally got it straightened out, or so I though. I keep seeing my length of credit 3 years and months old with my oldest account being XXXXXXXX XXXX XXXX. I am almost XXXX XXXX XXXX and have had credit since I was XXXX. Would like all three credit bureaus review my records and correct so that I might just have a better credit report.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally file a complaint against Equifax for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ), concerning the removal of adverse information resulting from my status as a XXXX XXXX  survivor. Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, Equifax has refused to comply with its clear legal obligation. 

As stipulated by the FCRA 605 ( c ) ( 1 ), no consumer reporting agency may furnish any adverse information regarding a consumer if it is the result of XXXX XXXX or XXXX XXXX. I have met every legal requirement necessary under this statute, including providing documentation as required by law under 605 ( c ) ( 2 ). The law is unambiguous : once a consumer provides such documentation, the credit reporting agency must remove the adverse information. This has been affirmed in Doe v. Equifax Information Services, LLC, 2020 U.S. Dist. XXXX XXXX, which emphasizes that non-compliance with 605 ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under 1681n and 1681o of the FCRA for willful or negligent non-compliance.

Equifax refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a survivor. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for survivors of XXXX XXXX. As a survivor, I should not continue to suffer the consequences of adverse information directly linked to the trafficking I endured. 

I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that Equifax complies fully with the FCRA 605 ( c ). Failure to do so will result in further legal action, as Equifax ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. 

Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed this account information as in accurate with you and you have come back to me and stated you were able to verify this debt. How is that possible under the laws of the FDCPAI have contacted the collection, agent myself and have been able to get them to verify that this is indeed, my debt.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC ()

On the XXXX of XXXX of 2022 Celsius blocked all accounts from transfers or withdraws. 
At the time I have XXXX btc, XXXX XXXX and XXXX usdc. 
They blocked all accounts leaving us costumers with no control over our assets. 
XXXX do not return my emails asking for access to my funds and did not answer my calls. 
I do not want any thing els than my life savings that they hold.
Consumer complaint received 2023-09-23
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. (PA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

XXXX was transferred to Mohela. I contacted mohela XX/XX/XXXXXXXX  to request a refund of loan payments made from XX/XX/XXXXXXXX  through XX/XX/XXXX. I received the payments made through mohela on XX/XX/XXXX. I was told because my other payments were made through XXXX XXXX, it could take 4 months to get my past payments. I continued to call and check in as my refund never came. I was told in XX/XX/XXXXXXXX  that my refund would be issued no later than XX/XX/XXXX. When this date lapsed and I still did not have my refund of {$38000.00}, I called mohela and they could not give me an expected date and told me to just call back in a few weeks. In the interim, despite not receiving my refund, mohela re-added the XXXX to my loan total. I believe they did not submit the refund requests on time as originally requested. As of XX/XX/XXXX I have not received my loan payment refund.
Consumer complaint received 2023-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These inquiries are unauthorized and are not related to any transaction by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally dispute several hard inquiries listed on my credit report, which I believe, were made without my consent, and in violation of the fair credit reporting act, FCRA 15 U.S.C 1681b As per my understanding of the FCRA, hard inquiries can only be made if they are related to a permissible purpose, such as the extension of credit or employment purposes. I never authorized the entities listed below to access my credit report, nor did I apply for any credit or services from them.

As these inquiries were not made with my consent, and are not related to any extension of credit, I request that you remove these unauthorized inquiries from my credit report immediately. Additionally, I kindly asked that you provide me with the documentation, confirming the removal of these hard inquiries.

By law, you have 30 days to investigate my dispute and provide a response. If you are unable to validate these inquiries as legitimate, I expect their prompt removal from my credit report.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like TransUnion to remove theses items off my credit report please. I didnt authorize and l also didnt give permission for anyone to run my credit report.So I would like to have them removed from my credit report ( 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 .This is a violation of US CODE1681I ( 5 ) removal of inaccurate invalidated credit information and a violation of 15 US CODE 1602 ( P ) unauthorized use of my credit information please remove immediately thank you.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I paid Care Credit {$1300.00} for my credit card payment on XX/XX/2023. The balance was {$3300.00}. The payment posted at my bank and they received the payment and updated the new balance and also say no payment due at this time. They never updated my available balance. I called several times and talk with management and they said because of a large payment they cant update my available credit until XX/XX/2023. I said you received the payment and they say It is a large payment, so a lot of people make large payments on their accounts doesnt mean I dont have the funds. No matter what I say they denied to update my available account.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I use bank of America mobile banking for all my transaction and my main source of money consolidation. I never requested or authorized XXXX to be an option for transfers, it has just always been there. I decided to use it one day, assuming it as a safe transaction since my bank has it as a default option to use if needed. I incorrectly typed the wrong phone number when sending money and was too quick to hit send. Immediately after the money was sent I called the bank and let them know I made an error and requested for them to stop the transfer as it was still pending. The bank informed me that this was not possible and as soon as the button was pressed, the money is gone. The bank has refused to help me as they see it as an " authorized '' transaction since the numbers were typed by me. I can not get help from anyone and this money was for 4 different people that I can not afford on my own to be without.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

They refuse to report my correct address that I have lived at since XXXXXXXX XXXX XXXX even though I have uploaded and mailed documents to show I live at this address. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CT)

Good afternoon, I am enclosing the letter sent to me from Citibank as well as the letter i USPS mailed them due to a conversation i had. The complaint that i am submitting is based on the email i received today stating they " were unable to reach me when they called me ''. Upon speaking to a manager today, XXXX, an account manager, in a Florida call center, she said the email means they didn't call you and they will not call you. If you want the credit line again, i can submit to an application where a hard credit pull will be done to lower my XXXX XXXX even more. 
I am absolutely disgusted with the way they treated me and lied to me and i want assistance on this matter.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I found inaccurate information in my EXPERIAN credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. 

My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (FL)

I received a letter from ATG Credit LLC claiming I owe over {$16000.00} in debt to XXXX XXXX. I've never even had an account with XXXX XXXX and do not owe them anything. When I called to find out how to clear up the misunderstanding, " XXXX '' hung up on me twice because I wouldn't provide personal information. They used aggressive tactics and harassment to try to get me to pay a debt I've never owed.
Consumer complaint received 2023-09-23
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 submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX  XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX  XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely Experian, XXXX and XXXX, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX account are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation.

- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.
Consumer complaint received 2023-09-23
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 submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely Experian and XXXX, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX accounts are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.