davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

My Mortgage Company ( US BANK ) has falsely denied my XXXX written attempts to get assistance to refinance my mortgage or extend my forbearance. This was due to COVID in early 2020. All of which was denied with no legitimate reason. The lawyer which I didn't hire due to lack of money, said this is quite common and he called it a carrousel. Each time I called US Bank, I took notes of the phone conversation. Each time they lied about the due date for the applications.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

I had a Chime account with around {$200.00} in it. I had a negative balance on my Credit Union checking account and used my Chime account to transfer funds to bring it out of negative balance. On XX/XX/2022 i sent {$40.00} from my chime checking account to my Credit Union checking account to bring it out of negative balance. My bank declined the transaction because I was suppose to send the money to my savings account instead of my checking to remove the negative balance. Chime suspended my account because my bank declined the mistake i made. When I contacted Chime they asked for documents to prove any suspicious activity. After giving them the documents they never unsuspended my account. I contacted them again just for them to tell me to send the same documents again. After the second time I got the same repeat email about sending the same documents. I call Chime a few times only to be told they cant do anything. I asked them to close my account and send me my money by check and they told me they cant until i send the same documents again. Chime is sending people in circle just to keep people money and it seems like they are using this money for something else maybe investing or something illegal and thats why they keep people money without returning or until they can pay you back it is a shame these companies are allowed to operate like this
Consumer complaint received 2024-11-17
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. (MA)

Dear XXXX Manager / Sir/Madam, I am writing to formally dispute and request the removal of the following accounts that appear on my credit report. These accounts contain numerous inaccuracies, are unverifiable, and are reported in violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. I have previously disputed these accounts, yet your agency verified their accuracy without providing the methods or procedures used in the investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This response falls short of legal compliance and my consumer rights under federal law. 
The accounts in question included in the attachments here.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

I was making a payment towards my Care Credit XXXXSynchrony Bank and pulled my statement to notice I was charged {$99.00} on a {$550.00} balance. My apr with this card is 26.99 %. I asked how they can justifiably charge that type of interest on that amount and they claim it is because a promotional offer has expired. Even though the promotional offer expired, it does not constitute an enormous increase of interest. I need for someone to look at this. I did get irate, because they thought I would not know better; but I do work in the XXXX XXXX & never have seen such price gauging.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Ive always prided myself on being on time with paymentsnever missed one! So, its really frustrating to see a late payment reported for XX/XX/XXXX when that just didnt happen. Ive tried reaching out to the company, but it feels like XXXX talking to a wall. Other bureaus have already recognized the mistake and cleared it up, so Im asking you to do the same. Its just not fair to have this mark on my record, especially when its causing me so much stress. I really hope we can get this resolved quickly. Thanks! 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Consumer complaint received 2023-12-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (AZ)

I am in XXXX and I am trying to use my Cash App, since i dont have a US Number. The Cash App worked on my XXXX Cell Number and 5 months ago, it stopped working on my XXXX Number. 

When I called Cash App support today, they are asking me for a US Cell number and I dont have one since I am living in XXXX XXXX how do I access my Accounts. 

I asked for a Manager and they said no manager was available.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Majority USA, LLC (AR)

I have been using Majority bank checking account which was opened and approved on XX/XX/2022. I had initial issues with not being able to use my funds in the account but they sorted the technical error and I could start using my account from XX/XX/XXXX. The account allowed me to use my credit card and fund the account which was a feature of the account and I used it till XX/XX/XXXX. On XX/XX/XXXX, I sent an email to the support team of Majority that I am not able to deposit funds using my card that was added to the account. They asked me if the card is a debit or credit card to which I responded that it was a credit card. They said that its not allowed to deposit funds using credit card. However, I was able to do it for the past 15 days without any issue. Finally, on XX/XX/XXXX, they sent me an email that they will be closing my account without giving me any reasons and asked me to withdraw funds from the account by XX/XX/XXXX. I found it unfair and disrespectful for abruptly asking me to withdraw funds as they solely decided to close my account without any reason.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (FL)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-09-13
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)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Consumer complaint received 2022-06-09
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. (GA)

XXXX accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy filing Reference # XXXX, Chapter XXXX Bankruptcy filing Reference # 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 2022-12-04
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. (TX)

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 c payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-09-11
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)

I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT : XXXX XXXX  XXXX ACCOUNT XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE XXXX ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 
After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2024-10-30
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian and XXXX XXXX XXXX XXXX : Request for Removal of Birthdate and Social Security Number Due to Identity Theft Dear [ XXXX XXXX Experian XXXX XXXX ] Customer Support Team, I am writing to formally request the removal of my birthdate and Social Security number from my credit report due to concerns regarding identity theft and a recent data breach. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The unauthorized exposure of my personal information has heightened my concern that keeping sensitive information, such as my birthdate and Social Security number, in my credit file poses further risks for potential misuse. To help safeguard my personal data, I kindly request that you remove my birthdate and Social Security number from my credit report. 
Enclosed, I have included documentation, including proof of my identity and relevant reports filed with the FTC, substantiating my identity theft concerns. 
Please confirm in writing once this information has been removed. For further inquiries, you may contact me at XXXX or via email at XXXX. 
Thank you for your prompt attention to this request. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-09
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. (FL)

A letter of deletion was sent to Transunion weeks ago, and they're refusing to remove an incorrect mark on my credit report. I am moving at the end of this month, and this caused me to have to pay for another full months worth of rent and delay my entire families moving process.
Consumer complaint received 2022-08-03
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. (IL)

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 XXXX has me at a score around XXXX. 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-30
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)

My XXXX account was compromised years ago. I filed police report and contacted the bank to dispute those charges. After long run of investigation the bank finally write off the amount and closed my account. I just discovered the bank left some amount for me to pay without any notice. I checked my credit report and find out I have late payment and serious delinquency on my report. I am requesting the bank to clear the negative on my credit report and cancel the debt.
Consumer complaint received 2022-07-27
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: BARCLAYS BANK DELAWARE (NJ)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

My Comenity credit card account originally showed payments made but this disappeared from their records and now it shows I owe a very large balance WHICH I DO NOT. 
Information showing at present on Comenity Bank online records for my account : Shows {$83.00} payment on XX/XX/XXXX Then DOES NOT SHOW the following payments I made : 1. XX/XX/XXXX for {$760.00} 2. XX/XX/XXXX for {$71.00} 3. XX/XX/XXXX for {$150.00} 4. XX/XX/XXXX for {$53.00} Then does show a payment for {$110.00} on XX/XX/XXXX Then as of XX/XX/XXXX I made two more payments which have not yet been entered but have been paid : {$100.00} and {$680.00}. 
Comenity records also indicate I received {$10.00} Rewards issued on XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX WHICH I DID NOT. 
I look forward to assistance with this matter. Thank you.
Consumer complaint received 2022-06-09
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. (IA)

In accordance with the Fair Credit Reporting Act XXXX  account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 USC 1681 section 602 A 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
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company is the absolute worst. I reached out to them to dispute this debt because I did not recognize this debt. They had no clue of what the alleged amount was or anything in that nature. How can they be allowed to report this information without sending me NO PROOF of the original creditor? Also, I know for a fact this company is nothing but a fraud because they could not answer any questions I had concerning the The Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-11
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. (OH)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-30
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: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (OK)

I received a statement for a credit card that I never opened and never applied for. the amount of credit line is for {$8000.00}. the statement shoed 3 charges that were made in the XXXX XXXX according to the investigation officer at the XXXX police department. 
all my attempts to contact someone over the phone with the given number on the statement led to transferring me from one person to another. The address on the statement is for Wells Fargo, however when triny to verify information I was tols that that the alleged credit card is through " XXXX '' a card that I never applied for and never received! 
As of Friday, XXXX of XX/XX/2022 I finally got the hold of the fraud department at Wells Fargo and was told that they will wave all charges and block that account. 
I am waiting for a letter of confirmation from them. 
Sincerely, XXXX XXXX. 
Should you require any statement or hard copies please let me know since I have kept it all.
Consumer complaint received 2024-08-28
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. (AZ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX