davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

XXXX XXXX  - app and website always says invalid login but it's impossible because it's automatically saved on my phone! I've called months to inform them of all these issues and nothing has been done. 

XXXX present -they have my ssn incorrect in which I've said on every call and it's not been fixed. 

XXXX These people have suspended my account and holding my funds when I have bills due. My car was getting repoed if I didn't pay yesterday in which that's how I found out my account was suspended! It's illegal for them to hold my funds due to their mistakes. There is no fraudulent activity on my account. They suspended my account saying unusual activity but I'm on XXXX and don't have money to acquire extra charges. Then they stated that wasn't the problem but they have to be in compliance and some accounts need documentation to unsuspend accounts like mine. This is highly suspicious because I've been banking with them for several years. I've repeatedly sent the documents over and over again and they keep asking for the same things even though it's documented they have them. I've called a hundred times with no results! Please help because they aren't saying anything nor complying! I need my account unsuspended immediately because there is no reason for this!
Consumer complaint received 2023-01-12
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. (WI)

As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XXXXXXXX XXXX XXXX presented by my local police department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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: Maximus Federal Services, Inc. (NC)

I have disputed on multiple occasions with XXXX, the data regarding my XXXX Department of Education student loans. I have personally written XXXX a letter explaining the dates in which they claim I missed payments, the dates they claim I never made payments, and the dates in which I showed receipts for payments that I had made, to no avail. My student loans are not even held by XXXX anymore, which is beside the point all of my student loans have been consolidated into one loan and I still have derogatory marks on my credit report showing that I missed payments and I have never missed a single payment I have always been in forbearance or part of a repayment program. I have submitted copies of my receipts for dates that they show I missed payments to both XXXX  and XXXX and nothing changes every time I file a dispute. I run a small business which is a sole proprietorship which is the only income for my family of XXXX  children and wife, my only option for credit is through personal credit not business credit therefore these derogatory marks from XXXX which is absolute bogus, are creating an extreme hardship on me and my family. I hope you guys can get something more done than I have been able to.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Zelle {$70.00} to wrong person who now will not refund my money I contacted chase and they said it will need to be investigated before I can get a refund if any at all. The email address was off by two letters and the person who received the money will not give it back.
Consumer complaint received 2020-12-03
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)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-26
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. (MA)

Hi XXXX XXXX XXXX & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account should not be on my credit bureau. The account is past the time frame that its allowed to be reported. I have proof the account is over eight years old, and they have never been able to prove the account ever had a payment in that time frame. XXXX is violating the FCRA, and does are all three credit bureaus XXXX, XXXX, TransUnion
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (AR)

Today, I signed on to usbank.com to use the bill pay service. I had notifications on 2 of our credit card accounts with them that both showed those accts hadn't been paid since XXXX! In my investigations and conversations with their reps to find out why I had not received paper bills for these accounts, they informed me that they were changed to e-statements only. I did not make this change and have declined paperless statements many times, which my account record would show. Our granddaughter has one single account under the umbrella of our accounts but is only in her name. It looks like when she requested ebills for her account, something she clicked made ALL of our accounts paperless EVEN THOUGH SHE IS NOT ON ANY OF THOSE ACCOUNTS. We have worked very hard to bring our credit rating above 800 and now it will show 30, 60 and possibly even 90 days late on 2 of our accounts as they haven't been paid since XXXX due to my not having a paper bill in my hands. They did credit one of the accounts the late fees but not the other one. Not to mention I had to pay nearly {$400.00}. all at once, today, to bring those account current. There has been extra interest incurred on both accounts due to not having the principal lowered for all of these months. How dare they allow someone who is not even on those accounts make this type of change on them?! I am furious and will be closing all of our accounts at USBank as soon as I can. I would do it this very moment but there are pending charges, so I have to wait until they all clear. I will then use the next balance transfer offer I get in the mail ~ and believe I get a lot of those! ~ to transfer all credit card balances away from US Bank. They will not earn XXXX XXXX more from me that I can avoid. It is unconscionable for them to allow changes to be made to any account by anyone other than the account holder ~ and then to hold us responsible for the extra interest and late fees associated with said changes is appalling. Do I have any recourse?
Consumer complaint received 2023-01-31
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)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.
Consumer complaint received 2020-07-08
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2022-02-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MA)

We have sent in all paperwork with this company 's XXXX label that was over-nighted -- we had it notarized by our bank XXXX in XXXX MA and sent it off the following day. As I said this was about XXXX weeks ago now. 

We come home last night- and I see a envelope with my name and XXXX 's with a stamped confidential logo and it is paperwork we already signed for this streamline loan mod and it got to them. WHY have they not changed their website to show we have signed the paperwork as we were told once they get that they would wipe the old existing past due clear and XXXX why WAS IT POSTED OUTSIDE on A DOOR where anyone could pull it off and read our docs that are PRIVATE!!! 

We want answers ASAP -- already got an attorney in my firm to look at what you guys are doing, this is not right -- and I want answers because all you do is lie --. 

Did you lose the paperwork we had notarized and fedexed to you? I would not be surprised as after speaking to your escalation dept you seem to lose a lot. 

So I tested your sight to make a payment of 500 on XX/XX/XXXX just to see what it would do -- you still have the OLD INFO! -- -when I pay the rest the end if the month if that 500 isn't added and or you take the rest I pay and put it towards an old loan that is not the streamlined one that we signed and got notarized and witnesses for you -- then you will be hearing from an attorney ASAP.
Consumer complaint received 2021-07-14
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. (CA)

A few months ago I noticed incorrect information being furnished on my credit report. I sent a letter to the credit bureaus on XX/XX/2021. To this day, I have not heard back from them. I wrote a new letter today and will be mailing it out today.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX and XXXX, XXXX, and Experian continue to knowingly report wrong information on my credit file. I have repeatedly shown them proof that the same account they are reporting opened was also opened in 2011. Therefore its well over the number of years allowed to be reported. They also can not prove any activity or payment on the account ever. This is clearly a violation of FCRA reporting rules and I have hired a lawyer to resolve this violation and seek damages.
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of XXXX data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ray Klein, Inc. (CO)

I was a long time customer of XXXX XXXX. In the spring of 2021 we started experiencing service issues on several of our phones and worked repeatedly with the company to get those issues corrected. There were numerous calls to their tech support line and after many attempts it became clear that they were not going to be able to correct the problems. We cancelled service in XXXX of 2021. They billed us {$380.00} after we closed the account. We disputed this credit card charge through our bank in XXXX. On XX/XX/XXXX we recieved a letter from our bank saying we had won the dispute. XXXX XXXX continued to seek payment of that debt. I sent a copy of the letter from the bank to XXXX XXXX on XX/XX/XXXX asking them stop seeking payment. They still continued to seek payment and threatened to send it to a collection agency repeatedly from XXXX. I got notification from Professional Credit Service that they were seeking payment for a total of {$610.00} on XX/XX/XXXX. On XX/XX/XXXX sent Professional Credit Service a dispute letter. On XX/XX/XXXX Professional Credit Services sent me an email requesting payment for {$620.00}. On XX/XX/XXXX I called them and asked them to drop the debt and they refused. I requested to be transfered to a supervisior and was a told a supervisor would call me.
Consumer complaint received 2022-05-03
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. (SC)

Experian did not properly investigate my dispute of an old XXXX  XXXX account that now belongs to XXXX in their " investigation '' they researched and updated my other XXXX XXXX  XXXX  accounts that has nothing to do with the closed XXXX  XXXX account that I was disputing. Their can't be more proof they don't do proper investigations. I have disputed this no less than XXXX  times in the past XXXX years and the status date still says XX/XX/2017. This is ridiculous
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2021-06-23
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND 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 EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

XXXX, the corporation taking over my student loan from Navient, says they " do not yet '' have my loan. I am unable to login, nor did the customer service agent find my acct. despite widely reported assertions that all loans had been transferred as of the end of XXXX. They said I needed to wait for the " welcome package '' and stressed that I did not need to make a payment until XXXX! My credit has been so often dinged due to misreported student loan.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I found fraud on my business checking account on XX/XX/XXXX and called Chase to make the report. On this date I found numerous fraudulent activity that began on XX/XX/XXXX. I only learned about the activity when one of my legitimate checks was returned. I identified all of the fraud to the Fraud Dept personnel on XX/XX/XXXX. I was told I would get a letter and I had to fax or mail back within a few days. I found a letter in my online account on XX/XX/XXXX, I went to a Chase branch and had them fax back my response on XX/XX/XXXX. They have put me off with various stories and finally told me they were not paying my claim. I talked to another bank and learned that ACH Debits had to be reported within 24 hours on a banking account. I was never contacted by Chase for any of fraudulent checks or ACH Debits. I was shocked they did not notify me or block my account when they first started seeing the fraud in XXXX. The first ACH debit XXXX and XXXX on XX/XX/XXXX, the next was to XXXX XXXX  for {$690.00} on XX/XX/XXXX, the next ACH Debit was to XXXX  on XX/XX/XXXX for {$600.00}, the next was XXXX to XXXX XXXX for {$2100.00}, next was on XX/XX/XXXX to XXXX XXXX for {$3000.00} and {$1800.00} to XXXX XXXX XXXX on XX/XX/XXXX. It would seem to me that they can trace back whose accounts these payments were made to but nothing. The checks that were fraud happened on XX/XX/XXXX, XXXX and Chase did put those monies back into my account. Never once did Chase block or close my account or contact me about any of the fraud
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I am writing because I have not received credit from Wells Fargo Bank, N. A. for two Bills of Exchange I sent to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Since they were not rejected, I presume that they were used to credit the payee, Wells Fargo. Please check the record, and let me know how to obtain a receipt for the transaction. Wells Fargo has been continuing to attempt to collect the debt, as if it was never XXXX at all. 

The Bills of Exchange should have been negotiated on or near the delivery dates shown. The delivery dates were taken from the XXXX tracking records of the registered mail numbers listed below, and are the same as the Bill of Exchange numbers. 


Bill of Exchange for Mortgage Account listed, Number XXXX XXXX XXXX XXXX XXXX XXXX Date of Delivery : XX/XX/2022, Amount : {$220000.00} ; Second Bill of Exchange for XXXX  Account, Number : XXXX XXXX XXXX XXXX XXXX, Date of Delivery : XX/XX/2022, Amount XXXX {$49000.00} The Bills of Exchange are part of a lawful process authorized by Congress and allowed in the U.S. Code.
Consumer complaint received 2022-09-20
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. (AZ)

*Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) *Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) I am providing 4 complaints that were closed by CFPB that were in fact NOT already processed at a prior date. These need to actually be looked into and I am requesting a legitimate response. I also provided documents showing these inaccuracies and requested ACTUAL VALIDATION and not a simple cookie cutter verification. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your/the offices provide me with competent evidence. 

XXXX XXXX XXXX XXXX CFPB 's lazy response : " The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ''