davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc (MN)

( Update ) Very alarming behaviour by Chime. Reffering to previous complaint. 

This is not a duplicate complaint. 

I am rquesting more documentation. The CFPB has approved me to open an additional complaint and request documentation. Chime has failed yet to provide any solid documentation they say is " compelling '' I am requesting this compelling information from Chime and the merchant XXXX. In the previous complaint with the XXXX XXXX XXXX  as well as the CFPB I did request this information. I believe chime to be misleading. Also misleading government agencies as well as consumers. I am asking Chime to re-open my case ( Update XXXX    ) I thank the CFPB for allowing me to add this additional information. 

Chime sent some documentation that is very alarming and I believe alarming to any consumer or government agency. They sent 3 documents to my E- Mail.

1 Intake. This is just me discussing the case.

2 Intake. It's just a picture of the back if my I.D .

3 Intake This is the most alarming of all. They blacked out information!. They blacked out the case number. They blacked out the merchant response. Blacked out merchant REF, ARN and Control number. 

This is just unbelievable. They don't even have the name of the merchant. Chime did no investigation. I believe they are commiting fraud and purposely not refunding customers on any dispute.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many INQUIRIES which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any INQUIRIES which are found to be FRAUDULENT. The dispute INQUIRIES does not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

The business I was working for " XXXX XXXX XXXX XXXX '' purchased a property via XXXX XXXX. The business closed and XXXX incorrectly reported the file on my credit report. I filed a dispute with the credit bureau. They have yet to remove this information from my file. I also spoke with XXXX XXXX XXXX who advised me that the information would be updated. However, there hasn't been any changes to my report after disputing it 5 times.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' inquiry Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (TX)

I was involved in an accident XX/XX/XXXX. At the time of the accident my car note was paid in advance 2 and a half months. I also had gap coverage, through XXXX. The car was also paid off through my insurance company XXXX, XX/XX/XXXX. I have email confirmations from Flagship Credit Acceptance showing a XXXX balance due for the month of XXXX XXXX and XX/XX/XXXX. Then XX/XX/XXXX I received a statement showing $ XXXX due with the amount increasing in XXXX to over {$800.00}. Flagship Credit Acceptance Final act was to erroneously report $ XXXX due to the credit bureau 's which was not the case because XXXX had paid off the loan XX/XX/XXXX. I sent several emails to FCA regarding the gap coverage. I last made contact with XXXX credit acceptance Thursday XX/XX/XXXX when I was forced to pay {$220.00} so that I can show a XXXX balance to the mortgage company in order to meet loan program requirements. Flagship Credit Acceptance business practice has negatively impacted me in many ways I've asked them on numerous occasions to send me customer service notes and account history only to be disconnected from the call, request for documentation denied, canceled or ignored with refusal to connect me with management, call disconnected. The deceptive business practice of Flagship Credit Acceptance and false reporting to the credit bureas is a contribution to me having a higher interest rate on my next car loan and of course has negatively impacted my credit score. I received numerous calls harassing me for money not owed, only to be ignored and spoken to in loud aggressive tone by their employees, so aggressively, I asked the agent why she was upset when I was the one who was negatively impacted by their poor business practice. XXXX was the only employee who was cordial to me on the phone and prior to me making payment of the erroneous debt, at least made an attempt to explain me the erroneous debt as late fees and or interest and confirmed he saw nothing owed. 
Advising it's typically a late fee or interest due that Flagship Credit Acceptance is looking for. XXXX did offer to wave the fee but said it will take some time as he would need upper management approval which I don't have time for as I'm now in a crunch and must have proof of this erroneous debt ipaid off so I can move forward with my mortgage loan. I have emails back and forth with Flagship Credit Acceptance since XXXX. Your assistance in gaining resolution is greatly appreciated. For transparency I had a 30 day late. XXXX and XXXX of XXXX I then caught the loan up, paid in advance and paid extra on the loan each month and can also show higher monthly payment prior to the accident. This will be captured in my payment and accounting history once received, and according bank records
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-19
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. (MI)

. 
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

After further review of my accounts with my attorney, I am writing to formally request the deletion of these trade lines from all credit reporting agencies and to cease all collection efforts regarding these accounts due to fraudulent activity associated with their histories. Specifically, I demand that you stop all collection activity, including that of XXXX XXXX XXXX, who have yet to provide the documentation we requested. 

I have discovered that my accounts may have been subjected to unauthorized use, which I believe constitutes fraud. Therefore, I request that Citibank promptly investigate this matter, rectify my credit report, and stop all collection efforts immediately. 

Additionally, I wish to highlight violations of the Truth in Lending Act ( TILA ) as implemented in Regulation Z. Specifically, Citibank has failed to reevaluate and lower the annual percentage rates ( APRs ) for these accounts, contrary to the requirements outlined in section 1026.59 ( a ). Furthermore, I believe that Citibank has not maintained reasonable written policies and procedures for conducting these APR reevaluations, as mandated by section 1026.59 ( b ). 

These actions not only violate TILA but also infringe upon my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically sections 1053 and 1055. 
Given these concerns, I request that you promptly take the following actions : Remove these trade-lines from all credit reporting agencies. 
Cease all collection efforts associated with these accounts. 
Investigate the fraudulent activity linked to these accounts and provide me with a written response detailing your findings and actions taken. 

Additionally, I require a complete history of these accounts, including : How and where each account was opened ( online or in a branch ). 
The process used by Citibank to verify my identity when the accounts were opened. 
The phone number provided during the account opening process. 
Whether Citibank verified my driver 's license or a copy of my Social Security card. 
If the accounts were opened online, I consider this fraudulent activity. 
I expect every detail from the account opening to it's closing. 

Attached is a copy of the CFPB Bureau of Consumer Financial Protection consent order outlining the violations Citibank has faced in the past, which continue to persist. My attorney is fully prepared to file a complaint with the CFPB and pursue other remedies to resolve this situation. 

Please treat this matter with the urgency it deserves. I look forward to your prompt response. Should you require any further information to assist in your investigation, do not hesitate to reach out. 

Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents. Overstated the annual percentage rate in accounts sold to debt buyers. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

When doing services online with Bank of America credit card they do not allow the credit card holder to remove outside account such as another bank account for payment purposes. I have XXXX balance on my card and I wished to remove my bank account and I could not from my application or even just going on line to the account. So I removed digital service. That should be illegal for them to hold an outside account held hostage, I should have the ability to remove it and I do not.
Consumer complaint received 2023-11-03
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. (FL)

I am writing to express my deep frustration and concern about the multiple unsuccessful attempts to remove fraudulent items from my credit file. This is the fourth time I am raising this issue, and it is disheartening that the problem persists, negatively impacting my financial well-being. I am seeking your immediate assistance in addressing and rectifying this matter. 

I discovered that my credit report issued by Experian, XXXX and XXXX Credit Bureaus contained several fraudulent entries that are not connected to my financial activities. I have diligently followed the dispute process as instructed on previous occasions ( first, second, and third attempts ), providing evidence to support the fraudulent nature of these entries. Despite my best efforts, these fraudulent items continue to harm my creditworthiness. 

I kindly request that you take the following actions to address this issue : Conduct a thorough and comprehensive review of the fraudulent items, considering all the evidence provided in my previous dispute attempts. 

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to prevent their reoccurrence on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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 2023-06-29
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Equifax Credit Bureau that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that EQUIFAX Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am interested in processing disputes on my credit report to delete an remove all information inaccurate with experian. this issue has been addressed multiple times. it needs to be corrected. please review an remove all listed items that needs to be corrected to help my file asap.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OH)

Hello, I am unsuccessfully trying to get updated on my accounts being closed. I called the number as recommended once I was locked out of my accounts, and was told they could not tell me why my accounts were closed I just had to wait for a letter and XXXX days to get my savings back! I am rightfully frustrated, and to top all of this off the agent hung up on me the first time I called! I then called the corporate number and could barley hear XXXX as she was giving me basically the same information except this time I received a reference number # XXXX. XXXX then gave me a number, and the name XXXX to speak to about my case, I called the number turns out it was the exact one I called this morning ( XXXX ) XXXX. I don't think it is unreasonable to know why my checking and savings accounts have been closed without notice, or to have my money returned to me without waiting XXXX months! Could someone please rectify this in a timely manner? I was originally locked out of my online account on or before XX/XX/2023 ; I called them XX/XX/XXXX, XXXX and emailed. The response to my email : Citi Reference Number : XXXX Hello XXXX, Thank you for contacting Citi. We received your correspondence. Please be assured that your communication is important to us and will receive a deliberate and thorough review. 

We appreciate your patience while we investigate this matter. If applicable, we anticipate having a response to you within XXXX calendar days. Should you have any questions or wish to provide further information regarding this matter, please feel free to call us at XXXX. * Our business hours are Monday Friday, XXXX XXXX XXXX XXXX., CT, with the exception of holidays. 

I do not want to use this financial institution any longer I just want my savings back. 
Thank you
Consumer complaint received 2023-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Advantage Collection Professionals, Inc. (MN)

I have a collection account on my credit report that I have no knowledge of. I never received any kind of communication from the collection agency, and was never notified of having any owed balance being sent to collections. I disputed this with XXXX and they refuse to remove the unknown collection account from my credit file. This collection account has hindered my ability to get accepted for any type of personal loan, and has made it extremely hard for me to even try to raise my score.
Consumer complaint received 2023-11-03
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. (KS)

I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have attempted to resolve this matter with these credit reporting agencies for the past 6 months. Fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been severely violated and my next steps are to take this case to federal courts for the misuse of my identity.