davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXX XXXX  XXXX fl XXXX I
Consumer complaint received 2023-08-15
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. (CT)

As os XX/XX/2023 my student loans have been discharged by the department of education on the basis of my total and permanent XXXX. 

I do not have any student loans therefore, I would like them removed from all credit bureaus/ or show a XXXX balance
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

At the end of 2022, US Bank was advertising a promotion that included a bonus for signing up for one of their checking account products. As I was looking for a new financial institution at the time, I evaluated a few choices and decided this one was slightly superior to the close competitors because of this relatively unique bonus offer. After confirming with multiple customer service representatives from multiple departments ( and repeatedly being promised follow-up ) on multiple occasions that all steps were completed correctly and approved and that the bonus would be posted, absolutely no follow-up has been communicated and no bonus has been posted. Ultimately, I have been far more than patient and fair in both the process and duration of this transaction and believe they are operating in bad faith, hence the need for CFPB intervention.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-08-15
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. (NY)

I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX OF XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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 (NV)

On XX/XX/XXXX there were 2 unauthorized transactions one for {$32.00} and one for {$85.00} that i did not make one was at a restaurant in texas and one was in California so i dont know why my dispute wasnt approved the time diff is a hour apart so theres no way i couldve made those transactions by the way i stay in Nevada . I tried to rebuttal twice but my dispute was denied twice by chime even though the evidence is clear as day I'm so stressed out about this situation all I want is my money.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$860.00} XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (PA)

Due to Covid I fell behind on my payments which I had a good payment history with Bridgecrest prior to Covid and getting sick 3 times with the virus. 
I called to ask Bridgecrest for assistance. Instead of lowering my payments or deferring them, they pushed the payments to the back of the loan. 
My car was repossessed around XX/XX/2023. I had to pay {$1100.00} XXXX and Bridgecrest made me pay once a month instead of biweekly on the XXXX and threatened that if I missed a payment they would repossess my car again. 
I never received any documents regarding the repossession. 
I was sent an email after I made mention of no documentation regarding the repossession. 
I never agreed to change my biweekly payments. 
I feel I was forced under duress concerning the terms of receiving my vehicle back from the company.
Consumer complaint received 2023-07-17
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2023-08-15
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. (NY)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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. (PA)

Credit reporting agency is reporting late payments on an open account that was never late. According to 15 U.S. Code 1681a ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. The institutions that are reporting late payments are preventing me from being extended credit and or being able to purchase a home.
Consumer complaint received 2023-08-15
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. (FL)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts immediately.
Consumer complaint received 2024-09-23
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. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX Account Name : XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XX/XX/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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

In XXXX, both of my parents became seriously ill and had to be placed into XXXX XXXX. To afford their care, I had to file XXXX XXXX bankruptcy. This was filed in XX/XX/XXXX. I paid back the bankruptcy at 100 % according to the timeline given to me by the court. I was meticulous in paying this back according to the plan! In early XXXX, the bankruptcy was XXXX officially. However, I knew the remarks would stay on my credit report for another 2 years. In early XXXX, all but one of the the derogatory remarks fell off my credit reports since it had passed the seven year reporting mark. However, one did not fall off : XXXX XXXX XXXX XXXX. This remark exists only on my Experian credit report. I reached out to Experian and filed a complaint, but XXXX then extended the post time to 10 years as opposed to 7 years. I reached out to XXXX XXXX twice, and got two different replies. The first agent said he would remove the remark, but when I contacted XXXX XXXX  again a few weeks later, the second agent said that XXXX XXXX would never remove a remark FOR 10 YEARS! As I read through the rules regarding these remarks, I understand that a derogatory remark for a XXXX  XXXX bankruptcy might remain on our credit report for 10 years. However, a derogatory remark for a XXXX  XXXX bankruptcy should be removed after 7 years. Contacting Experian and XXXX XXXX has proven to be useless. They are of no help, so I am now begging you to help me. I was recently turned down for credit due to this one remark. I am asking that XXXX XXXX and Experian Credit remove this derogatory remark from my credit report at this time.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
Consumer complaint received 2021-04-29
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: CITIBANK, N.A. (MA)

On XX/XX/2021 I noticed a fraudulent charge on my Citi XXXX XXXX card for an XXXX ride I did not order. The amount charged fraudulently was {$67.00}. I checked my own XXXX account and confirmed there was no recent activity. I immediately went online to dispute the charge. The website said I could not dispute the charge until it had posted, which I thought was a mistake since someone had my card information. I called the number on the back of the card to report this. The representative I spoke to told me that he would need to transfer me to another department. He then hung up on me. 

Following being hung up on, I used Citi 's online chat feature. This representative let me know that my account now had a fraud lock on it, and I would have to call the fraud department. Using the number provided, I called the fraud department and was again hung up on by that representative after answering the same questions I had answered with the first two representatives. 

I returned to the chat representative who told me to call in again and request to speak to a manager. I did, but the representative on the phone said she could only transfer me to a supervisor. The supervisor said that there was no manager available, and I would be called back within 24 hours. I never received a call back. 

The supervisor on the phone was ultimately not able to help me, as the fraud lock required she verify my identity which for some reason she was unable to do. The fraud in this case was not detected by Citi at all, I alerted Citi of it when I called. 

After receiving a validation letter to verify my identity a few days later, I called back and was disconnected by their automated service. I called again and was finally able to get the card cancelled and a new one sent. 

On XX/XX/XXXX I received a notification that my dispute had been denied, and their credit was reversed. The " proof '' supplied by the merchant was a receipt written to someone named XXXX. My name is not XXXX. The XXXX ride took place in XXXX XXXX XXXX, where I have not been in years. The only information provided for the billing address is " XXXX '' which clearly does not match my account. The contact email and phone number provided by this person also do not match mine. I have a copy of the documentation provided by XXXX to Citi and have attached it below. 

As requested by Citi, I signed a document affirming that " Neither I nor anyone authorized by me made this charge ( s ). '' I emailed this to them at the provided email address on XX/XX/2021.
Consumer complaint received 2023-08-15
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. (PA)

Credit reporting agency is reporting late payments on an open account that was never late. According to 15 U.S. Code 1681a ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. The institutions that are reporting late payments are preventing me from being extended credit and or being able to purchase a home.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (NJ)

I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
Consumer complaint received 2023-08-15
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XXXX fraudulently charged my account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Chase has refused to properly begin an investigation despite claiming they would and the situation being described as nauseum. Today one representative refused to take my information and they did not do as promised from yesterday 's conversation wherein to dispute the fraudulent charges from XXXX Today I asked for a supervisor and the XXXX who did not understand anything after beong on hold for 30 minutes refused to do anything. 

Please help as no one has a clue what they are doing at Chase and it's super disturbing.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-08-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/XXXX I made a rent payment via my Bank of America card. On XX/XX/XXXX I noticed a double charge and contacted BofA. I was told that they would refund the second charge within XXXX business days and the claim had been submitted at that time. I called a week or so later to check on it and was reassured that it was in process. I called a third time on XX/XX/XXXX and was told that the claim HADNT been submitted but that they could do it immediately and escalate the request so it would only take an additional XXXX business days. Meanwhile this overage drained my bank account and I had to use their credit card to live. Convenient.