davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Around 8 days ago I went into a XX/XX/11 and made a cash deposit of around {$310.00} dollars i put this cash on my chime card. Later on that day I tried to use my card and the transaction was declined. I tried to get online to view my account balance and my online access was declined. I called chime and the representative stated that my account access was frozen until further investigation. I asked what was being investigated and they stated a transfer from XXXX XXXX that was declined and they asked if i initiated this transfer and i stated " yes '' i initiated the transfer of funds prior to the XXXX XXXX account being closed and I was unable to unlink the XXXX XXXX account from the chime account due to my chime online access being denied. They stated all they needed was my 1. I.D 2. UTILITY BILL OR SOMETHING OF THE SORT WITH MY NAME AND ADDRESS ON IT 3. THEY NEEDED VERIFICATION THAT I WAS IN FACT THE XXXX XXXX ACCOUNT HOLDER AND I GAVE ALL THE ITEMS REQUESTED I EVEN WENT INTO THE XXXX XXXX BRANCH WITH THE BRANCH MANAGER BY MY SIDE TO CONFIRM I AM THE ACCOUNT HOLDER AND CHIME STILL REFUSES TO RELEASE MY MONEY ITS BEEN 8 TO 12 DAYS NOW AND I CALLED BACK CHIME TO CONFIRM THAT EVERYTHING WAS RECEIVED THEY SAID YES WHY ARE THEY STILL HOLDING MY MONEY WITHOUT ME BEING ABLE TO ACCESS ONLINE OR THRU ATM. PLEASE HELP. THIS IS NOT FRAUD I AM A SINGLE PARENT. I AM A TAXPAPER. I AM AN HONEST HARD WORKING CITIZEN OF THE U.S. AND I DON'T UNDERSTAND HOW A COMPANY CAN OPERATE WITH SO MANY COMPLAINTS ONLINE I KNOW XXXX OTHER PEOPLE THAT HAVE THE SAME ISSUE. ALL THE ITEMS ARE PROVIDED AND CONFIRMED RECEIPT HOWEVER FUNDS ARE STILL FROZEN AND I HAVE BILLS TO PAY. PLEASE HELP! CHIME MUST BE STOPPED!!
Consumer complaint received 2023-03-28
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-28
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: AMERICAN EXPRESS COMPANY (WA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX {$36000.00}
Consumer complaint received 2024-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LCS FINANCIAL SERVICES CORPORATION (VA)

Dear ( Debt Collector ) ecently received a debt collection notice from your office. I am writing to verify that you ha intacted the correct individual and to request that you provide documentation confirming th Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-05
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a
creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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 or 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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
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. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters out certified over 45 days ago and have yet to be notified of any results. As a consumer I dont feel like these people are not taking me serious and are taking advantage of me.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DC)

i was told my citibank secured credit card wold graduate in 12 months when the manger a year ago at the branch convince me to apply that was the main reason i did its now a year and it still didnt graduate
Consumer complaint received 2022-07-11
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-19
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: Ability Recovery Services, LLC (GA)

On XX/XX/2022 I sent XXXX a certified letter to send me the proof they have for account # XXXX which they failed to do by sending me an email saying it was verified and accurate. without showing or telling me how. Which I asked in my letter and which is my right to receive. 

In accordance with the Fair Credit certerfied act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I did a cash out refinance on my home in XXXX last year and the money I took out was used to pay off all my debts which included loans, credit cards and one car loan. I received separate check from the title company to pay each individual creditor. Everyone of my creditors except for CitiBank credited all my accounts. Citibank was giving me extensive issues with providing me the account number as it was for a XXXX card that was closed months previously and destroyed and signing into my account and statements only provided the last four numbers of the card. After going back and forth and them telling for security reasons they could not give me the account number over the phone, I asked them to send me a letter with the account number and they never did that also after they said they would. I then after having the check for weeks decided to put my social security number as they let insisting to do to indenting the account for processing. The check was cashed and my account was not credited and I called many times to find out why the account was not credited, even sent in the evidence of the cashed check after my the my deed holder XXXX XXXX XXXXXXXX reached out to the title company and sent me the evidence. They sent the information to their escalation department and then sent me a letter saying the check was cashed by XXXX XXXX and not them. I went to XXXX XXXX with the evidence and they are claiming the check was cashed by XXXX XXXX which is a part of CitiBank and they do not have any records of the funds. The title company is saying they cant help me either as the check was already cashed. To further matters Citibank is not only resolving the issue but has sent the account to collections who I had to contact and let them know this is a debt I paid off and sent them the evidence and they are now disputing the report with Citibank. Is there any way you can help me?
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experain allowing XXXX to report accounts that are exempt from debt collection to report the collection violating the Exempt Income Protection Act you can not have a collection on a person whom funds are exempt from debt collections reporting the debt is consider that you still have a collecting on exempt funds
Consumer complaint received 2022-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (CA)

A couple of months ago approx. in XX/XX/XXXX I received a bill from XXXX. When I called to find out what the bill was about they informed me that an account was opened at an address I lived at a year ago in XXXX. They informed me that they were going to investigate the matter and get back to me in a couple of months. Today XX/XX/XXXX I received a collection notice with the debt that is owed to XXXX  in the amount of {$210.00}. 

We moved out of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX on XX/XX/XXXX of XXXX any account open after this date is Fraud. I closed my account with XXXX  and left it in good standing. See attached files. In addition, I have had a credit freeze on my credit report so how is it that they were able to open an account under my name? I have filed a police report as well.
Consumer complaint received 2021-12-08
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

ON XX/XX/2022 I MAILED A CERTIFIED MAILED WITH TRACKINGNUMBER XXXX RECEIVED XXXX XXXX, SENT A SECOND LETTER XXXX XXXX XXXX XXXX TO CAPITAL ONE BANK. CAPITAL ONE IS STILL REPORTING CHARGE OFF AND UTILIZATION TO THE CONSUMER REPORTING AGENCIES EVEN THEY WERE PUT ON NOTICE. 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
15USC 1681S-2 REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS ACCORDING TO THE IRS ANY CANCEL DEBT MUST FILE FORM 1099-C. IRS DEFINES CHARGE OFF AS GROSS OR ORDINARY INCOME, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, WHICH IN FACT MAKES CAPITAL ONE REPORTING OF THIS ACCOUNT INACCURATE. 

ANY ILLEGALLY REPORTING THIS EXPERIANCE UTILIZATIONS PURSUANT 15USC 1681 ( a ) 2 ( A ) ( i ) EXCLUSION ( A ) ( I ) VIOLATION The Fair Credit Reporting Act ensures fair and accurate reporting, and it requires users who buy these dossiers to have a LEGALLY PERMISSIBLE purpose. Todays advisory hold responsible any company, or user of credit reports, that violates the permissible purpose provisions of the Fair Credit Reporting Act. Specifically, the advisory opinion makes clear, VIOLATING MY RIGHTS. 

15USC 1681q OBTAINING INFORMATION UNDER FALSE PRETENSES 18USC 1028 FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION CAPITAL ONE BANK IS IN DEFAULT IS WILLFULLY REPORTING THIS INACCURATE INFORMATION.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

From XX/XX/XXXX to XX/XX/XXXX, my Equifax credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. 
I went to my Equifax.com because I was concerned why as I make all my payments XXXX percent on time. On their application website, under the alerts. Its stated that I had a bankruptcy on my record. I have not filed for a bankruptcy nor do I intend to file for a bankruptcy. However, there are 4 joint accounts I share with my husband who no longer lives with me and has not lived with me since XXXX. I have a protection order in place and he has filed for a XXXX  XXXX bankruptcy. But, has stated in the papers that he intended to continue making those payments. However, I am making those payments every month. And I make them on time. When I called Equifax to inquire as to why they stated I have a bankruptcy, even though I went and looked to see under Public Records, there isnt one. And, furthermore, none of these creditors has the legal right to make that claim against me as I have not filed for bankruptcy and theyre still getting the monthly payments each and every month. That is illegal. Equifax and the Creditors in question had no right to make a remark on my credit report stating a bankruptcy on me when I am not nor have not filed or have been part of filing for a bankruptcy.
Consumer complaint received 2023-01-28
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. (CA)

On XX/XX/2023 I called XXXX XXXX XXXX to resolve an issue of XXXX of my XXXX accounts showing a closed status on Transunion when only should be a suspended status and talked to several agents and no resolution came up. This is a violation of FCRA and I'm willing to seek monetary resolution as well.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.