davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (CA)

I received a email saying the following Hi XXXX XXXX, Following a recent review of your Chime Checking Account, we have made the decision to close your account with Chime. Your account failed to comply with the terms of your XXXX Account XXXX, and we will close your account as a result. Your checking account will be closed on XX/XX/year>. If you have a Chime Savings and/or a Chime Credit XXXX account XXXX it will also be closed and youll receive a refund for the balance, per the terms of the Savings Account Agreement and Chime Credit Card Agreement. 
We recommend that you change any direct deposits, XXXX debits, and recurring payments at your earliest opportunity to avoid delays and rejections as a result of the account closure. 
Please note that your Chime Checking Account is not eligible for a refund, as we were unable to verify the ownership of the deposited funds. 

I had a Chime Credit Card XXXX. 
I started getting direct deposit for my new job that uses XXXX and deposited my check there I had XXXX dollars on the account I did not see the email on time and I never got my money back this email was on XX/XX/XXXX.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Please see the attached document describing how I was defrauded out of {$6500.00} by the Bank of America and one of their account holders for the purchase of a vehicle that never existed. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, KY XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect (NV)

Several years ago I was billed with XXXX for a XXXX  visit, collections appeared on credit around summer last year. This debt was recently moved from my report about XXXX months ago, then returned again yesterday. Previously it took my credit down XXXX points originally, now it is down another XXXX. I know there was something about not owing anything below XXXX, but it doesn't make sense to me for it to have been removed, and reported as payed off on my credit report, then returned.
Consumer complaint received 2023-10-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

XX/XX/XXXX I called pennymac to inquire why I had fees assessed on my property after my SCRA protection was in place from XX/XX/XXXX. The agent confirmed that active foreclosure actions occurred a month after the foreclosure was halted. He later stated that those fees were supposed to be reversed and waived due to the SCRA under Section 203. After 15-20 minutes of talking to him talking to his supervisor, I was assured this case would be escalated to CARE 's to correct the monetary issue prior to recording the sale. XX/XX/XXXX I call in the morning to fin out from the customer rep that the complaint had only been put in that morning on XX/XX/XXXX. I again let them know the circumstances and the request i escalated due to the it being the day of recording. hours later around noonish of XX/XX/XXXX, I receive a call that a new payoff had been sent in with higher fees from interest. I call back and talk to a representative who identified herself as XXXX. She stated that everything that was previously stated by the first employee on XX/XX/XXXX was false and that there is a high possibility that he did not even speak. I again explained the situation and she stated this is just the way it is. When I brought up the SCRA XXXX stated that it only prevents a foreclosure from happening and when one is in the process the fees assessed continue to accrue. I mentioned that I believe the SCRA says differently under section 203. I also mentioned that their were active foreclosure actions taken after my SCRA was in place. These actions occurred almost a month after and she stated it was already scheduled to occur and that I was still liable for the fees. After my SCRA was in place I was assessed an estimated {$4000.00} of fees in winterizing the home, conducting inspections, turning on the utilities after they had shut it down, plumbing preservation, new locks for the home among others. All of this happened in or near XXXX which had been weeks after having my SCRA in place.
Consumer complaint received 2023-10-26
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
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. (GA)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX, XXXX open XXXX XXXX, XXXX open XX/XX/XXXX.
Consumer complaint received 2023-10-26
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. (NY)

Experian, XXXX and XXXX are the companies reporting information to my credit file that are a result of identity theft. I have gone a step further into creating a police report with the following reference number ref : XXXX I have previously reported this to the federal trade commission and XXXX to the cfpb and these credit bureaus continue to not provide me with what I have specifically requested which is a contract with my signature on it for each and every fraudulent reporting item on my credit file. 

several years back i placed my wallet down in a department store and it was stolen! the items inside where my social security card and my licenses containing my addresses and a couple XXXX dollars. Today i took it a step further and reported a police report stating this exactly and additionally that my information continues to be used for credit. 

I am requesting a set of contracts with my signature on them to verify that these negative reporting items are indeed mines. I do not need these negative items to say verified, or updated. i need to be sent a written contractual agreement with my signature on them or a swift removal of said accounts. 

In the past I have not had the resources to take the credit bureaus to court but today is different and I have documented everything I've done to try and get these negative items removed for my legal safe keeping, I am ready to take this matter to legal proceedings. This is a request to have this matter taken a little more seriously and provide me with what I have requested. 

Note i have never had a fade hand dealt at credit in my life because of this The items reporting on my report that should not be reporting and any and all correlating hard inquiries related to said fraudulent accounts. 

Experian 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 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 XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). Also the law 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or any of the data furnishers such authority. Under Section 1681 ( G ), please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. If you can not provide me all the proof, please immediately remove the late payment status and other incorrect information from these listed items.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Recently i did a investigation of my credit report, which caused severe XXXX on me, i found unveriable, inaccurate, invalidated and questionable items that your agency didnt make sure it was reporting 100 % accurate. In accordance with Fair Credit Reporting Act, everything must be correct and under 15 US Code 1681i { 5 } these accounts are in violation of not reporting 100 % accurate. The credit reporting agency says that these accounts were properly investigated abd came back as verified. However how is this true when there are several inaccuraties ahowing on my report? As a consumer, i request to know all the steps your agency took to ensure these items were correct under Code 15 US 1681i { 7 } Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX  XXXX XXXX Balance : {$690.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX IIB ) XXXX Balance : {$4200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$550.00} ; XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; 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 XX/XX/2021 ; XXXX XX/XX/2021 XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-28
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. (MD)

Unauthorized Inquiries on 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 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 

XXXXStatement : XXXX I have identified multiple unauthorized inquiries on my credit report, conducted by various lenders as listed above. I do not recognize these lenders, and I did not authorize these inquiries. It is evident that these companies used these inquiries to profit, with no apparent benefit to me. Therefore, I demand the immediate removal of these unauthorized inquiries from my credit report. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-28
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. (TX)

I did my research with the fair credit reporting act and XXXX XXXX XXXX  I have no account number with them cause I never did business with them, has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy.

15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2024-09-30
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: Synovus Bank (CA)

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Dispute of Debt Reporting by XXXX PROGRESS Account Number : XXXX Amount : N/A ( Account Status : Closed ) To Whom It XXXX Concern : I am filing this complaint to dispute the continued reporting of an account by XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. The account number in question is XXXX, and it has been closed. The account is currently 7 years and 3 months old. 

According to the Fair Credit Reporting Act ( FCRA ), accounts should not be reported on my credit file beyond 7 years from the date of delinquency. This account is 3 months past the XXXX reporting period, and therefore, it should be removed immediately. 

I kindly request that this outdated and inaccurate account be removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as it is no longer legally allowed to be reported. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (SC)

I thankfully screenshotted all my information. I dont know how, but it erased everything I typed. I have attached the screenshots also. I have attached documents that Shellpoint requested. I have attached my payments made on my mortgage account. I have attached my XXXX paperwork to show I was taking out of work. My job then let me go on XX/XX/year>. I have attached the checks Shellpoint currently has. I have attached my insurance estimate.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXXXXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

These four items on my credit report have damaged my livelihood and reputation for getting credit lines
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have been distressed with misleading, inaccurate, and incomplete information on my credit report. This has been hurting me financially for years. This is a violation of FCRA and the credit reporting agencies must delete the requested information.
Consumer complaint received 2023-10-30
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. (FL)

Under 15 U.S.C 1681c. 

From early this year to present date of XXXX Companies from Trans Union, XXXX and TransUnion. Have published my personal debt without authorization and would like for them to be deleted immediately. These are grounds for discrimination against me and scope of investigation without my consent.