davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (IL)

I received four emails today ( XX/XX/18 ) from Chime ( different email addresses ending XXXX ) : one stating that there had been a new login to my account in XXXX, one saying " Your completed direct deposit form is attached, '' " Account Password Updated, '' and one saying " Your Credit Builder Application is almost complete. '' The Direct Deposit form had my name and an old address of mine. I never set up an account with Chime, so I called the customer service number from their website and reported it as fraud. I believe they closed the fraudulent account, but in the process of doing so they asked for a lot of information from me I was not comfortable giving to them. They asked for the last 4 of my social in order to " look up my account '' even though I reiterated that I did NOT have an account with them. I did not give them this information, but they were able to locate the account anyway and close it for fraud. I got two more emails from them, one being " Account Closure Notification '' and one " Re : Chime Account Status '' that recommended I place a fraud alert with the credit bureaus. However, after those two emails I received a third one welcoming me to Chime. Additionally, after reading more about Chime on the internet it seems like this scam is fairly common, either with Chime setting up fraudulent accounts or people getting their identity stolen to create Chime accounts. I do not feel comfortable with their security and do not believe this company has their consumer 's interests in mind.
Consumer complaint received 2024-10-31
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. (IL)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

AM NOTIFYING THE US ATTORNEY GENERAL ( XXXX XXXX ), TENNESSEE ATTORNEY GENERAL ( XXXX XXXX ), THE US COMPTROLLER ( XXXX XXXX  ), AND THE TENNESSEE COMPTROLLER ( XXXX XXXX ). 

See PREVIOUS complaints that outline VIOLATIONS AGAINST me and see attachments XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Just got off the phone with XXXX XXXX  and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX  and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with EXPERIAN, XXXX, XXXX, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXX XXXX  is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX  is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX  they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX  immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the penny! Have this account deleted immediately!
Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (GA)

On or about XX/XX/2024, I contacted the company and spoke with XXXX a representative, and explained that I was struggling to make my current payment right now due to some financial issues and asked if my payments could reduce my payments from {$210.00} to {$110.00} a month or lower. 

XXXX said that could not be done. On XX/XX/2024, I received a call from a representative of the company by the name of XXXX and she reiterated the same answer as XXXX, but that I could make payments at a specific date of the month, but I would have to make the full amount of {$210.00}. This is still not acceptable to me due to my situation.
Consumer complaint received 2024-01-05
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. (MD)

About six months ago I reviewed a copy of all ( 3 ) of my credit reports ( XXXX, XXXX, and TRANSUNION ) where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on a few accounts from XXXX XXXX XXXX XXXX XXXX but to my knowledge this is incorrect or an error not of my own doing. I have spoken to the creditors via mail and simply just asked for the accounts to be updated to PAID/PAID AS AGREED, NEVER LATE if the proper evidence can not be provided. I have been getting either no response or unsatisfactory responses with quick " investigations '' that provide know documentation. I been submitting complaints to the CFPB. This misleading data is causing a great harm to not only my credit score, but my employment is in jeopardy as I'm required to maintain exceptional credit as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After recently seeking legal counsel regarding consumer laws, I was made aware that these inaccuracies are a violation of the Fair Credit Billing Act ( FCBA ), 15 US Code 1666-1666j " the creditor must provide the consumer with PROOF that they were indeed late but they HAVE NOT. It also fails to comply with 15 U.S. Code 1681 " to report fair and accurate information ''. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not proven certifiable fully true, correct, complete, timely of known ownership and responsibility to the consumer. I DEMAND evidence of the investigation beyond a computer automation that simply states " Investigation is Closed '' Please provided the documentation steps required by law indicated which individuals and measures that were taking to prove the Creditor 's claims. 

I beg of you, a quick search of my credit prior to XX/XX/ will show my credit worthiness and consistency of on time payments and fulfillments for over 2 decades. Please eradicate any and all derogatory aspects of reporting and at the MININUM I simply request to rectify as PAID/PAID AS AGREED, NEVER LATE on the below listed accounts. These bureaus are violating multiple FCRA, FCBA laws and it is very detrimental to my credit score and putting my employment in jeopardy. I'm a first responder for the US Government and I'm sick as how errors and lack of due diligence by a creditor can easily and dramatically affect someone's financial livelihood. The companies are listed as followed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Closing, I simply asked to update the listed accounts as PAID/PAID AS AGREED, NEVER LATE or provide the required documentation under the law that a proper investigation was conducted that proves otherwise to not include a automated electronic response as " Verified As Accurate and Updated ''
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I was a happily Chase customer for more than 2 years when i was in High school back in XX/XX/XXXX-XX/XX/XXXX. Recently I was trying to open an account with them ( Prepaid card, Chase Liquid ) since i'm being denied for a regular checking account with them as well, they don't give you an explanation on why your being denied. I DO NOT OWE THEM MONEY. I had an account with them back in XX/XX/XXXX and it was closed due to some deposit that someone made on my account witch it wasn't even mine ( came back as returned ). The person who did the deposit on my account it was a friend of mine ( not anymore ) and he took out like {$100.00} dollar from one of the check that day, but since the check came back as returned i had to pay the {$100.00} dollars plus a fee. I call chase, and they said I DO NOT OWE THEM MONEY and i'm still being denied by Chase.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Mobile device was stolen while out of the country, digital wallet was hacked and {$19000.00} was stolen from my Bank of America account overnight all through the digital wallet. Bank of America did require any verification for the XXXX to be transferred from my account while I was out of the country. I called Bank of America immediately within 24 hours of the funds being stolen and reported the fraud. They are now claiming that I authorized all transactions while my device was stolen, and that the amount lost is not outside of my normal spending pattern. I made a large check deposit to Bank of America made to my bank prior to my trip and they held the funds for 2 weeks claiming that the deposit amount was flagged as being more than what the account normally holds. I filed a police report and filed fraud with the FTC and provided Bank of America all of the information. They are refusing the claim and saying that they are unable to pay.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I regularly check my credit report because my XXXX XXXX is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my XXXX XXXX unfairly.
Consumer complaint received 2024-09-14
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. (TX)

Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

In reference to CFPB Dispute XXXX I called Equifax who claim they never received any request from XXXX XXXX XXXX 

Even though I received an email from The XXXX XXXX XXXX Credit Card ( CFPB is cced ) that " We've sent a request to Equifax to change the XX/XX/2023, inquiry to a non-display inquiry. ". This letter was dated XX/XX/2023. 

I have called XXXX at least 10 times to follow-up and they say they have sent the message and will send it again. 

Equifax mentioned that they will not search to see it was misplaced or not entered into the system and that it should just be resubmitted or mailed via USPS ( by me ) till it is received!! They have no electronic means of uploading any attached documents Also XXXX XXXX have resent for the fourth time ( to my knowledge ) ... but every time instead of looking into why the XX/XX/XXXX letter was not received, they reset the waiting period to 30 days!! BECAUSE IT IS CONSIDERED A NEW REQUEST ALL OVER, So the counter is reset
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (FL)

The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dispute and Request for Update of Personal Information I am submitting this complaint against regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX while my credit report shows an outdated address of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my current address be updated accordingly.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (VA)

under the Fair Credit Reporting Act ( FCRA ). According to Section 609 of the FCRA, I am entitled to request the information related to entries on my credit report. 

I am requesting the following information regarding the specified items : Please include copies of any contracts bearing my signature that verify my agreement with Midland Credit. 
.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On Thursday, XX/XX/2023, at approximately XXXX pm I deposited {$300.00} in cash in my checking account at a Citizens Bank ATM. The ATM was located at a Citizens Bank branch. The branch had just closed for the day. The machine did not give me credit for my deposit. Instead it gave me a receipt which stated, " We encountered a problem returning your cash. '' " Please contact your financial institution. '' I immediately called Citizen 's Bank, spoke to a representative who informed that I had to file a claim to have my {$300.00} in cash returned to me. I filed a claim with her at that time and asked her when the matter would be investigated and resolved. She did not have an answer and told me I would be receiving some information about my deposit in the mail. She did not know when I would receive that information. I was given a claim #. 
The next day I visited the branch, when it was open, and inquired about my claim. I met with a bank representative, who told me he would try to expedite my claim and that there was nothing more he could do. To date, I haven't received any information about my deposit, by any means of communication.
Consumer complaint received 2024-01-08
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. (CA)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-06-20
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. (GA)

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXXXXXX XXXX ( 2 Accounts with them ) Account Number that shown XXXX Account 1 Opened XX/XX/XXXX and amount is {$470.00} Account 2 Opened XX/XX/XXXX and amount is {$1000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (MA)

On XXXX XXXX XXXX XXXX I received a modification package from Selene Finance that was very aggressive. They raised my interest from 4 % to 8 % and raised my payments from {$1600.00} to {$3200.00}. Considering that I found this very XXXX  I submitted an appeal on XX/XX/XXXX. I disagree with this decision because I find it to be very aggressive and disproportionate. My intention is to comply with my commitment but I need a more reasonable agreement. I would like to enter a negotiation to resolve the current situation.