davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On XX/XX/XXXX Chime Financial, received my tax refund ( {$32000.00} ) that I have literally been waiting for 2 years due to delays and a typo I finally got a tax advocate who assisted me in filing an AMENDMENT XXXX which the irs received on XX/XX/XXXX and issued my refund for an original deposit date of XX/XX/XXXX which Chime revd earlier. I try to use my card and its locked I try to log into the app, but it says to contact review @ Chime. I instantly call them and soon as I get home send them everything from my ID front and back social security card, utility bill for proof of address, my XXXX form and my entire IRS TRANSCRIPTS ( why ask for my transcripts if youre going to XXXX and not READ THEM ) that list when the original return was filed and the amended return as well as the REFUND ISSUE DATE and INTEREST payment which XXXX be credited on XX/XX/XXXX into this same account as well soon!!! The REVIEW TEAM that only responds via email keeps asking me for a XXXX XXXX completed form that doesnt APPLY TO THIS DEPOSIT because I FILED AN AMENDED RETURN which is a XXXX on my XXXX Taxes!!!! Its bad enough Ive had to wait XXXX long years for my money and now they are causing even more of a delay to my XXXX XXXX especially at a time when Im pretty much homeless and dealing with a XXXX child. I need my account off hold IMMEDIATELY. IVE BEEN USING CHIME FOR MY TAX REFUND FOR 15 years now and never had a problem until now and what I dont understand is the XXXX IRS XXXX XXXX comes with my SOCIAL SECURITY # attached to it so please explain where the discrepancy is!!! These ppl have everything they need to clear HOLDS off my account but the lack in COMPETENCY AND LIMITED COMMUNICATION MAKES ME REALIZE AFTER THIS I NO LONGER WANT TO DO ANY BUSINESS WITH THIS ONLINE BANK! XXXX XXXX to using XXXX XXXX and XXXX XXXX ; chime was only used for the convenience of EARLY DEPOSIT not because I couldnt bank elsewhere. Now its the XXXX day for a XXXX bank & XXXX XXXX tickets open said it only takes XXXX to review & STILL NO ACCESS to my funds!!!! The redundant and incompetence of such a company dealing with my money is purely disgusting...
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted TransUnion on a few occasions, with the last date of contact being XX/XX/XXXX. TransUnion does not have a dispute option online for inquiries, and you have to speak with a representative. Each time I asked about several inquiries on my credit report on XX/XX/XXXX, which I did not authorize. On XX/XX/XXXX, the representative informed me that she would make a note that I did not authorize the inquiry for the following companies, XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX, NC XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX, OH XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX Location:XXXX  XXXX XXXX, XXXX, RI XXXX, Phone ( XXXX ) XXXX However, I must file an FTC report and contact the individual companies. I do not understand why a dispute can be filed with other credit reporting bureaus to investigate the issue, and TransUnion will not investigate and remove unauthorized inquiries. I submitted a Fraud Alert. Nonetheless, TransUnion needs to do more than note the unauthorized inquiry and have it removed from my credit report.
Consumer complaint received 2023-11-08
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. (FL)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I need my student loan payment records for the years XXXX to XXXX. The student loan records show I was in default but I was making payments. I also want every system note that was made regarding my loans from XXXX to XXXX. I need to know how I can dispute the inaccuracies in my records and have them fixed. XXXX error that I found includes a school attendance date in XXXX for XXXX University. I did NOT attend XXXX University in XXXX! I want any and all records to help me figure out where the payments I made went. I'm about ready to go to a class action attorney. With no records the servicers could record anything they wanted to without having to prove it. I find it unbelievable that if I was really in default in XXXX, that no one filed a legal action. The servicer took my payments and failed to credit them.
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company responded sent a copy of the notification of the debt letter. The letter was sent to an address where I was evicted on XX/XX/XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) The notification letters were sent in XXXX and XXXX, long after I had been evicted from that address. The company did not follow up with the correct address which could have been located on my credit file. This company has a history of unfair debt collection practices and this is evidence of that fact. 

I sent a copy of the court record to the company in XX/XX/XXXX. The company ignored the documentation forwarded to them and did not process my dispute. Instead the company entered inaccurate information that the debt was XXXX on XX/XX/XXXX, thus decreasing my score by XXXX points, in retaliation for filing the dispute. 

The company did not provided me an opportunity to dispute the debt because they notification was sent to an address where I had not lived for at least 1 to 2 years, legally. The company should be order to delete the tradelines for XXXX XXXX and XXXX XXXX because they do not own the debt and do not own the right to report it charged off without further delay.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2023 XXXX identified unauthorized online domestic wire transfer via : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$65000.00} had been wire transferred from my Chase Checking Account without my knowledge and approval.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX  Date of Inquiry XX/XX/2022
Consumer complaint received 2023-11-07
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

XX/XX/2023 : Got an email titled " Your IDR application has been received '' from Nelnet XX/XX/2023 : Email " No action needed while we process your application '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' The " In process '' emails tell me : Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. 

How long does it take to approve my change? Over 2 months seems excessive. I want to get on the SAVE plan, but I think Nelnet is dragging their feet. At the same time, interest is accruing, and it's hard to reach customer service! When I login to the website, it just tells me to check in every 10 days.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-08-16
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. (GA)

In XX/XX/XXXX I started reviewing my credit reports from the following bureaus XXXX, XXXX, and Experian. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my credit score to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2023-08-16
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2023-08-16
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. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-08-16
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (IL)

In XX/XX/XXXX, I mailed a request for additional information for purposes of verification. I opened the account in XXXX of XXXX. It was a secured credit account. The initial deposit was {$200.00}. I received {$200.00} in credit. I do not recall ever receiving the card. I requested the account information and billing history to verify the {$87.00} charge. I sent documentation showing the initial email and {$200.00} transfer receipt. I received no response. First Progress, XXXX XXXX  XXXX, XXXX XXXX, TN XXXX was the only contact information available. 

I disputed the charge several times with the credit reporting agency with no success. In XXXX, I was provided a customer service number XXXX. The representative I spoke too could not provide transaction, billing, or payment history for the account. The representative stated the account had been turned over to collections and I would need to contact that agency. 

I called the number provided by the representative and the agency was also not able to provide any information on the account. I was referred back to first progress customer service. First progress holds the full balance of my security deposit and the erroneous information reported appears on my consumer credit report. I would like verification and the requested information from First Progress and I would like the account and the false information removed from my consumer profile. In addition, I would like a refund of the security, less any verified charges. 

Thank you.
Consumer complaint received 2023-08-16
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. (CA)

I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated [ INSERT THE DATE OF DISPUTES ], XXXX, Equifax, and XXXX have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening. According to 15 U.S. Code 1681i, it is clearly stated that XXXX, XXXX, and Equifax are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report. 
I've also included the dispute letters that I sent for your reference. I'd like to point out the urgency of the situation and demand that the inaccurate information on my credit report be removed. This demand is based on the violation of both 15 U.S.C. 1681e ( b ) and 15 U.S. Code 1681i. I am disappointed that the credit rating agencies in question have not reacted quickly to my complaints. It is worrying and aggravating the situation in question that such a lack of urgency has not been addressed. In addition, the information they have provided is not merely incorrect but also misleading. This error of reporting is a significant and material mistake on the part of them.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information.
Consumer complaint received 2023-08-16
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. (GA)

I am applying for a mortgage and XXXX XXXX XXXXXXXX and Experian let me know they update correct balances monthly ( not virtual ) so you have to wait which keeps your score lower than it should be and you pay more. 

I am sending attached what the actual balance is as of today and what Experian and XXXX are still showing, it would move my score please update it, its XX/XX/XXXX.
Consumer complaint received 2023-08-16
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX AND # XXXX, DEPT OF ED/XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX AND # XXXXXXXX XXXX  # 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 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 2023-08-16
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-16
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. (TX)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-08-16
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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

This was clearly a billing error made me 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. 

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. 


XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports