davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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 (PA)

On XX/XX/XXXX sometime between XXXX someone was in my account and sent themselves XXXX dollars. On XX/XX/XXXX around XXXX XXXX dollars was sent to a XXXX XXXX XXXX a pay anyone transaction. I called chime multiple times trying to explain that someone had to be in my account because I DID NOT make theses transfers. After talking to the fraud department with chime they told me themselves that they can see someone was in my account. They keep asking me for more evidence I dont know what more I can do I have submitted a written statement everything I can possibly think of. I then recently received a message stating that if I sent them XXXX dollars they would send my money back. Then I got a verification code from chime as if someone was trying to login into my account. I cant just let someone get away with all my hard working money. I have been begging and pleading about this to chime for about three weeks. you guys are my last hope please help me get my money back I need it. I have rent, college, car payment, groceries a whole lot.
Consumer complaint received 2024-07-26
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-07-26
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. (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. 

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 THE FOLLOWING RULES HAVE BEEN BROKEN.

15 U.S.C. 1681 Section 602 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 an 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 item of information. Any other adverse item of information, other than records of connections 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXXXXXX Balance : {$0.00} SXXXX XXXXXXXX Balance : {$7900.00}
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX I opened a secured card with capital one. The main reason I opened the card was to improve my credit score and capital one advertised that with the time they would graduate my card from a secured to an unsecured card. I have made every payment on time with one exception due to a family emergency which I called and explained back in XXXX. Ive called several times concerning graduating to a unsecured card and each time I was told something different first I was told in XXXX that they would look into graduating my card in XXXX I was instructed to call back at that time The next time I was told that the program for graduating happen suspended The final time I was told that I would be graduating upon a review of my credit record. This has never happened I have seen two friends and family members where they have graduated their card to an unsecured in one instance it took 10 years. If I close the account it will be damaging to my credit score I have tried to apply for another capital one card and was told that because I have two cards with capital one I did not qualify for third so I cant apply for unsecured and they will not make my card unsecure or will they increase my credit limit. It has been three years now and I am still stuck with the same credit limit with no information or opportunity to increase my credit limit or have an unsecured card. When I tried to call and inquire about this Ive been misinformed Capital one falsely advertised the opportunity to improve my credit and unsecure my card
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Amex made me an offer via email through my Delta Skymiles acct. Apply for Amex Skymiles Gold Card and among other rewards, receive a {$200.00} airline credit on Delta for use as soon as application is approved. 

I applied, was approved, purchased an airline ticket on Delta and Amex now claims the offer did not include the {$200.00} airline credit, even when I showed them the ad that is on the Delta Skymiles account.
Consumer complaint received 2024-07-25
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)

My account with XXXX XXXX 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 in 60 days 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 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 XXXX
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> I noticed my online banking wasnt working. I was out of town in NY so I went to a branch to withdraw money. That same day I call the number the app requests me to call to fix the issue. I state to the lady on the recorded call to not do anything on my account if it was going to deactivate my checking account while Im out of town. I specifically told her I would handle manners when I get home if the needed to be deactivated. At that time I still could withdrawal Money. Just no access to online banking app. The next day XX/XX/XXXX I try to use my card and it was denied. When I called BOA to see why they stated they closed my account that the representative put in a claim to close. I never authorized this and I had BOA for XXXX years! I never had this happen and didnt understand what was going on especially after I just asked her to not do anything to my account if it was going to deactivate it. She assured me she wasnt. She lied because she did. They told me they would send me a check for funds. I contacted BOA a week later ( today XX/XX/XXXX ) they still Have my money in my account, wont send the check and said I cant have MY MONEY YET! Now my bills ( internet and phone bill ) are cut off because XXXX cant pay it with no money! Due to them not sending my money. If my account has been closed why are you still holding onto my money?!!! You are putting me in a financial bind!! I have no money while they are doing whatever they are doing!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-08-04
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. (MO)

XXXX XXXX, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and three adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting XXXX XXXX, contradicting stories were presented on when the fraudulent activity was flagged. XXXX XXXX XXXX  representative claimed the fraud was flagged in the XXXX XXXX  system on XX/XX/2021. Another XXXX XXXX  representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, XXXX XXXX  violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Consumer complaint received 2024-07-26
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. (MA)

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates ) : XXXX XXXX XXXX XXXX XX/XX/year>. Experian XX/XX/year>. XXXX. 
These dates do not agree with each other, that is inaccurate information. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed on the attached document. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX I paid XXXX XXXX on my Capital one Signature Visa XXXX for my one beg fee XXXX to bring my luggage safely to my destination XXXX XXXX  on XX/XX/XXXX. While my luggage have delivered to me on XX/XX/XXXX. When I checked my luggage it's damaged and missing my laptop and it's electrical cord. I have reported same day to XXXX XXXX to their XXXX number but they have never shown me where to file for my claim.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following accounts are false and are harming my livelihood. ) # 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 2018-10-16
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)

During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX XXXX on my credit card and my credit report plummeted down by 20 pts then on XXXX  I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly