davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX XXXX AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX PAYMENT HISTORY- DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Consumer complaint received 2022-05-16
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. (TX)

This is XXXX XXXX again! I have same issue, Transunion Credit company has some problem with my credit reporting, I have had issues with XXXX but they have fixed, not utility bill which was negative in my TU report, removed in XX/XX/2022, still my score is not balanced, more than one year car loan installment paid on time, still when I applied, TU shows " Lack of mortgage, or loan of large amount '', score decrease quickly, but XXXX does not, I understand I have had inquiries but my payment history extremely excellent, they do discriminate based my background, XXXX increasing my score significantly but TU does not, there is no negative account in my history, TU must have to answer my questions. They also do not enter my PAID OFF account as positive account or as PAID in FULL. They track increasing credit balance but never react on decrease balances, they attract lenders so they can use their TU reports more than XXXX or XXXX. I am very much disappointed. CFPB must take stern action against Transunion
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have wrote to XXXX, equifax, and more then 3 times about them posting unfair inaccurate information on my credit report and they keep writing me saying that the information they are posting is accurate, how can that be if they all are posting different information for the same accounts.
Consumer complaint received 2024-09-11
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)

This is my numerous endeavors 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, remove 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
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late ClosXXXX XXXX  XXXX XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington Mortgage Service LLC, XXXX XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX will not give information to release lien on va loan so that I can sell the property. Customer service will not give phone that is needed to contact lien hold department.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (NJ)

At the end of my lease I made a full payment to Volvo Financial for {$1400.00} under confirmation # XXXX for account ending in four digits XXXX. However Volvo Financial reported my account to credit bureaus as Collection/Charge Off despite receiving the full payment. This is negatively affecting my credit score and impairing my ability to secure mortgage financing that I desperately need during Covid. Despite my repeated attempts to have them correct the situation they refuse to do so.
Consumer complaint received 2022-03-31
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. (FL)

My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I had my identity stolen. The person who stole my wallet was a XXXX XXXX XXXX male. He went to Macy 's on XX/XX/2022 and tried to open a credit card in my name. The cashier took my license and never said anything that a male with a bald head was standing in front of her applying for a credit card. He looks like nothing me. Thank goodness the application was denied but shame on the cashier for taking the application when it was not the person standing in front of her. this is what stores do their employees. they put so much pressure on them to get sales and credit cards, that they don't care whose life they are hurting.
Consumer complaint received 2022-04-28
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. (CA)

Account # : XXXX, XXXX has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer.XXXX XXXX XXXX XXXX XXXXXXXX # XXXX is proof that XXXX XXXX received my notice on XX/XX/2022. XXXX XXXX that the continued reporting of this inaccurate information is a clear violation of the FCRA. 15 USC 1681a ( 4 ) Cleary states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am a consumer and as a consumer I have a right to privacy, according to 1681b permissible purpose. 
XXXX XXXX XXXX XXXX is a living man with blood running through his body and a free citizen of the state and the people of the several states are unconditionally sovereign within their respective states and must consent to be governed. I have never and I will never give any persons my consent to be governed. No court or persons have jurisdiction over me. I didnt give XXXX or any person written authorization to furnish THE DIVISION OF CHILD SUPPORT EN on my consumer report. 

Furthermore, XXXX XXXX have failed to provide the method of validation as required under 15 USC1681i ( a ) ( 7 ).

More violations of my federally protected rights : 28 U.S. Code 1691 - Seal and Teste of process 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 s-2 of your responsibilities as a furnisher of information. My rights are clearly being violated according to THE FAIR CREDIT REPORTING ACT. Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA XXXX is required to ... promptly DELETE all information which can not be verified. 
Attached is my notice to XXXX demanding deletion for lack proof of contract between me and furnisher and a notice from XXXX XXXX OF XXXX showing no XXXX is connected to my name in the state of New York. 

I am making complaints with the CFPB, FTC, XXXX CA and IL state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Consumer complaint received 2022-04-28
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. (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 602 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent/instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

Hello, On XX/XX/XXXX, I transferred XXXX dollars from my bank account in XXXX XXXX XXXX XXXX to my Wells Fargo account. The money went through and was reflected on my account for 3 days. I issues a check to my landlord for the rent of XXXX dollars after my landlord claimed the check, the bank reversed my transfer and the money has not been seen since then. I have been talking to them and calling them since XX/XX/XXXX and have not received any notice or compensation. My account right now is negative and they are threatening to charge for having a negative balance due to no fault of my own. Wells Fargo lied to me saying that the fund had been taken out by me and that it was my credit union 's fault.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

I purchased a laptop from XXXX online. I never received this item. Despite it being weeks late, and tracking never actually updating or applying to my purchase. I spent weeks with various XXXX departments back and forth with no help. They initially said via chat that it wouldn't be an issue and that the item would be refunded due to them seeing the same issues with my order as I saw. But it didn't happen and for no given reason my account was simply shut down. No response from them since despite numerous attempts. 

I then filed a chargeback with Chime showing all communication with XXXX, tracking records, porch camera recordings, emails, and bout XXXX other documents all proving my case without a shred of doubt. Despite this they still declined my dispute with no given reason and have not given me the documents they supposedly made this choice based on. 

I no longer have the XXXX documents I gave to chime but they SURELY have them in their system along with my dispute. If I need to find my old phone and somehow gain access to its XXXX systems I WILL do so. I wont let this go. XXXX is full of stories just like like mine from Chime and I'm tired if their theft. 

If Chime refuses to provide you with the documents I uploaded to them directly to their system from the Chime app, as requested, please contact me and I will take the steps to recover all of it myself should it become necessary.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Hello! Im making a complaint against Citibank because Citibank didnt protect my saving account enough that someone was able to make a wire transfer of {$45000.00} on my savings account on XX/XX/2022 without my authorization and that day my phone was hacked so I couldnt make or receive phone calls until the XXXX XXXX.I went to Citibank later to let them know that someone made a money transfer and they started their investigation but later they notified me by letter that my case was denied. 
Thank you for your help
Consumer complaint received 2022-05-27
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. (NJ)

Inproper haddling of a dispute submitted to XXXXXXXX XXXX XXXXXXXX. I did not reside at the address provided for over 7 years. This collection agency also failed to properly send any documents or letters advising of the debt and service date for the alledged debt. I did not reside at the address they claimed I resided at at the time of the service date.
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose.

1728
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting Act, Experian, XXXX XXXX XXXX have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 
According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2022-04-28
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose.

1728
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I deposited a check on Tuesday XX/XX/XXXX i called XX/XX/XXXX to see when the funds will be available i was told they would be available that friday XX/XX/XXXX after XXXX on friday i checked my account the money wants there the check says posted but nothin is in my account i called the bank navy told me they were told by the federal reserve to put a 5 day hold on my check. i called the XXXX XXXX to verify the funds since that is who sent the check to get them to help they confirmed everything was done right on their side i called navy again and was told the same thing about the five day hold i then called the federal reserve where i was informed they can not tell the banks to put holds on checks they only handle the transactions and movement of the funds. navy has given me false information on several accounts and has done nothing to fix the problem im gravely disappointed and sadden by the the lies i have been told as well as with they customer service not to mention they had extremely long hold times and none of the reps were really understanding or trying to help they made me feel like i was the issue
Consumer complaint received 2022-01-13
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I called Bank of America on XX/XX/2021 to open two claims - an OLB claim and a check claim. After multiple calls to Bank of America I came to realize they never opened my check claim. I've tried to resolve with their claims department multiple times and have spent hours on the phone with reps who have no idea about process or regulations. Their reconsideration process is questionable- there is only one person who reviews these which does not seem right as a second set of eyes might catch something the other didn't. My main issue is that I requested to open two claims on XX/XX/2021 and only 1 was opened. My check claim was eventually opened on XX/XX/2021 - 7 weeks after my request. This is a clear reg violation as my claim was not opened on the date I requested.
Consumer complaint received 2022-04-28
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. (AZ)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

XXXX XXXX  did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX