davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (TX)

I XXXX XXXX XXXX Filed a complete and Accurate Dispute with Equifax XXXX and XXXX letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded Equifax to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so Equifax are aware Of the Dispute Equifax did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address Equifax also acknowledge the receipt of my documentation however Equifax did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered Equifax and XXXX to pay me {$1000.00} per violation Equifax is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into Federal Court Also XXXX is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also XXXX is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX XXXX Also XXXX did not remove XXXX XXXX XXXX. XXXX  XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however Equifax and XXXX Failed to protect my consumer rights Also XXXX  did not complete a Full investigation banks that are being fraudulently Reported is XXXXXXXX XXXX XXXXXXXX XXXX  And all inquiries Which XXXX XXXX  is already aware of and I have already supplied documentation and FULL COMPLETE dispute
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (RI)

American Express is the only financial company that has not been able to help me figure out a payment plan for the Covid 19 emergency. While XXXX XXXX, for example, was able to freeze payments for 2 months, Amex keeps calling me more than 2-3 times a day every day. I have been able to make small payments and will continue to do so as I have told them over the phone. I already told them not to call me every day and they keep doing it. I was on the phone today with them and they have been hanging up on me every time they transfer me to the financial relief program team. Their behavior is predatory. Not only are they harassing me, but they keep adding late fees.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX, I sent this message to Chime Support : Hello, I need to speak to management/supervisors/specialists immediately. Please read carefully before responding and forward to the appropriate person : I have {$230.00} worth of unauthorized purchases from XXXX *XXXX, all took place between XXXX XXXX - XXXX XXXX  on Saturday, XX/XX/XXXX. My balance was {$150.00}, it is now XXXX because of what was stolen from me. 

Note that this is the same reason I had to cancel my debit card previously and had others re-ordered in the past few months. There have been several instances recently where I have had to contact Chime because there were unauthorized XXXX XXXX purchases. Simply sending a new debit card in this case is no longer acceptable, I have serious security concerns about my account. 

__________________________ The unauthorized charges mentioned above happened about 6 weeks after I awaited a new debit card for the same reason : unauthorized XXXX and XXXX XXXX charges. 

This is the third time I've had to cancel my Chime card and order a new one. 

Since the message I sent on XX/XX/XXXX, Chime has denied my request and ignored the seriousness of the fraudulent charges. There is a well known scam going around in which people are having unauthorized XXXX and XXXX XXXX charges. There is no record of these purchases on my actual XXXX account, it only happens when I have a physical Chime Debit card. 

Chime refuses to acknowledge the seriousness of these unauthorized purchases and has not reversed any of the funds that were taken from me. There are a total of 15 unauthorized purchases and Chime refuses to compensate me for the money that was stolen from me. 

I should have a positive balance of over {$150.00}, but because Chime won't reverse the funds and won't properly investigate or secure my account, I am in the negatives through no fault of my own. 

I have had to constantly hound and message Chime support for status updates and to provide additional information. I have also had to message them out of my fear and frustration with their cavalier attitude towards my stolen money. They only send copy/paste responses that make me think I'm talking to a robot and not somebody who can assure that my money is safe and secure. 

Chime 's conduct is unacceptable and should be exposed for what they are. I want my money back immediately.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-08-12
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. (NJ)

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under XXXX XXXX. XXXX, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by XXXX XXXX. XXXX ( a ) ( XXXX ). 

In accordance with XXXX XXXX. XXXX, please block these accounts from my credit report within XXXX business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
Consumer complaint received 2023-08-13
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 1666 b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason...
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.
Consumer complaint received 2023-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I hold a credit card with Capital One, Visa Card since around XX/XX/XXXX, credit card number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I had paid my credit card ontime, all this years ontime. So, regarding this incident, I paid the balance on this credit card, on the day the payment was due, and they stated that it was late, but was never late, there must has being a computer error on their system. I always have problems with their online system, wether try later, or system is not available, or where I had made payments on the past, and they payment never posted. So I was under the impression that the payment was processed on time, until I got a notification from XXXX XXXX  ( I have a service with them, they notify me when there is a change on my credit report ), that XXXX had put a late payment on my credit report. I disputed this mistake with XXXX and they removed it, however ; a few weeks later it did appear again, then I disputed the error again and in 2 days after my second dispute they sent me an email that the late payment remained on my XXXX  credit report. I have had perfect credit for so many years, I need my good credit because I'm always looking for real estate deals, but this mark on my report is really hurting me financially. I had maintain an excellent credit record for yeas and I don't think is fair that Capital One refuses to update my credit report, I called and I was transfer to some one in XXXX or some XXXX country, and all they said is for me to dispute the item with the credit bureau, but no other info. was available. I really hope this can be taking care of ASAP. Thank you
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 of 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 2023-07-15
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. (WI)

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX  {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of EDXXXXXXXX XXXX  US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WA)

I declared XXXX XXXX bankruptcy in XX/XX/XXXX and it was discharged XX/XX/XXXX. Navient claims to be unaware of the discharge and that I owe them the remainder of the student loans. As the amount owing far exceeds the amount of tuition it would have been wiped out in bankruptcy. Amount currently owing is {$55000.00}, the cost of attending the XXXX XXXX XXXX XXXX was {$35000.00}, I graduated in XXXX and made payments until declaring bankruptcy. The amount owed does not include federal loans also used To pay for attending which total {$12000.00}. Navient has ruined my credit score in reporting that I have not paid them. I also
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to permanently remove my name from the list that Consumer Credit Reporting Companies, XXXX, XXXX, XXXX, and Transunion, provide to businesses that send firm ( pre-approved/ pre-screened ) offers of credit or insurance.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I noticed some activities on my report. I already have a fraud alert on file. I called to ask them why is it taking 5 months to complete the inquiry. I was told by the agent that they couldn't help me. After five months of trying to get my report corrected and updated, the agent asked me again after I already told him, the police report was filled, I contacted the original creditors and I was told to call each bureau directly. I did that, and Transunion said and I quote " We can't help you. ''
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.
Consumer complaint received 2023-07-15
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. (IL)

I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : XXXX XXXX XXXX $ XXXX orignal creditor XXXX- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and Equifax, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND EQUIFAX XXXX this is a violation.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX
Consumer complaint received 2023-07-31
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. (IL)

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.

The letters are stated with items and issues.

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 of 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (HI)

I received a new XXXX and signed into my Venmo account with my new phone on XX/XX/23. I then tried to send money to a friend and it said my account has been suspended, even thought I was able to sign into my account and verify it was my account. When I called a rep for Venmo, they said it would 3-5 business days to resolve the issue. I then received an email asking me to take a picture of my ID and send it with a picture of me holding it. I don't believe this is very secure and it is not right that they are holding my money XXXX and not going to resolve it for 3-5 business days.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX a savings account was opened and funds moved to the saving account from the checking. A few days after my son and I went to the bank verified our ID and were told all was good to go. Fast fwd to XX/XX/XXXX, the savings account was closed and told funds would be mailed but we could go to the bank and see about getting funds released sooner. We went to Bank of America on XX/XX/XXXX where we were told the funds in the savings account needed to be verified as to where they came from. When the branch agent explained they came from the checking account they then said they now see that and will have a check issued within 3-5 days. On XX/XX/XXXX we called the risk dept to see the status of the check and were told it wasnt yet sent and funds needed to be verified. Again explained the funds came from our checking and again told they see that and were escalating the check to be sent. I was given a supervisors name to ask for when calling back. Today on XX/XX/XXXX we went back to the Bank of America branch the agent called risk told the same thing as before again explained the situation and then told the cashiers check was in the hold dept when asking why we were told because they are verifying the check, the check they the Bank themselves were issuing! When the branch agent asked to speak to the supervisor who gave us his name on Thursday XX/XX/XXXX the branch agent was told they cant get to that supervisor directly. When the agent asked to speak to any supervisor she was placed on hold then diss on extend. When we asked who else to talk to or what else we should do we were told there is nothing. We now have {$1700.00} missing that Bank of America has held since XX/XX/XXXX and have no one who can or will give us any information about the missing money or how to get it back.