davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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 (OH)

I recently encountered an unauthorized transaction of {$200.00} from XXXX XXXX XXXX CA, XXXX. I'm not familiar with this company and did not authorize this charge. I promptly filed a complaint with Chime ( XXXX ), but my refund request was unjustly denied, despite my current financial struggles. Based on my experience, I can not recommend this bank ; your money is not safe here. After several years as a customer, I expect better treatment.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer XXXX : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport ( Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NY)

The account is invalid TRANSWORLD SYSTEM INC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account 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 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.

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.

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
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (TX)

On XX/XX/XXXX, XXXX XXXX XXXX services received a debt validation letter from myself. XXXX XXXX did not validate the debt that XXXX XXXX allegedly claim l owe. As a result of that failure, XXXX also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/XXXX. 
Under the provisions of the Fair Credit Reporting Act 611 ( a ) | 15 USC 1681i ( a ) l, disputed items must be validated or deleted and removed from my credit record within 5 days. XXXX XXXX have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 / ( A ). XXXX XXXX neglected to respond or comply. XXXX XXXX has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because XXXXXXXX XXXX or XXXX XXXX does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give XXXX XXXX XXXX XXXX  legal permissible purpose per FCRA. XXXX XXXX is a known junk debt buyer. 
Per 15 USC 1692K Civil liability, XXXX XXXX is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that XXXX XXXX was sued before for abusive and deceptive practices and behaviors towards past consumers. 

Now, I am being harassed by another debt collector by the name of Credit Control LLC who contacted me by mail in XX/XX/XXXX for this same alleged debt. Who owns this alleged debt when no company has provided the ORIGINAL PURCHASE AGREEMENT? No company has provided this information, therefore the reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have no clue what happened i just know they said they are closing my account for risk no explanation given. I told them they have to give me a reason by law and they still wouldn't. My account is in good standing and I have no clue why they would close my account. I have XXXX account XXXX joint and XXXX single account
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY (SC)

VALIDATION AND CEASE AND DESIST Collection agency name : TD BANK Address : XXXX, MN XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX Highway XXXX, XXXX SC XXXX Dear TD BANK I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation (SC)

I am writing to dispute an unauthorized hard inquiry from XXXX appearing on my credit report. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (MS)

I've emailed skill minimum 12/15 x in a month to get guidance on getting in getting my account verified or closed and same automated message comes through. Either have actual representative or chat to assist people because I can't even get my meds filled now due to a month plus waiting. Had deposit come through then told verification was necessary sweeps casino I used didn't say Skrill needed anything now the documents I sent doZens of times still rejected. I've begged and pleaded so much now I've lost count. Id like to verify account but this is to much for anyone wish I'd red reviews prior to agreeing to use this company now tried stopping it but was to late now gave XXXX $ in limbo that I need
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is very frustrating, there's a lot of errors being reported on my credit. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score. These errors are causing ongoing stress and hindering my ability to get approved for new credit.
Consumer complaint received 2024-10-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (LA)

Subject : Issues with Account Reporting TD Auto Finance Account Details : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 72 months for all accounts Comments : Accounts are reported as closed or paid with a XXXX XXXX but inaccuracies in payment history need to be addressed. 
Actions Taken : You have noted discrepancies regarding the " Last Payment '' and " Last Reported '' dates, indicating they may not accurately reflect your payment history. 
Request : Clarification on the inaccuracies in reporting and rectification of any incorrect information on your credit report.
Consumer complaint received 2023-06-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-06
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

CITIBANK : For background purposes, I have a credit card with Citibank and have been a customer for many years now. My phone number has remained the same for XXXX years. 

Today ( XX/XX/2023 ), I received a Fraud Alert email from Citibank after attempting an online purchase from a retailer. I called the number from the email to clear things up. I was then asked if I had a different phone number than the phone I was currently on. I've only had one phone number ( my cell phone ) for years now, and do not have a landline, and therefore I told them no. The CSR proceeded to tell me they could not verify my account details over this phone number and would have to send me a verification letter over the mail that would take 5-10 business days. 

I've had the same phone number for years now, and have dealt with fraud alerts from Citibank in the past. It has NEVER been an issue to resolve them over the phone, using a combination of my Citi " secret code '' and other account details ( SSN, etc ). 

In 2023, this is completely unacceptable. I am now locked out of my account- and have to wait 5-10 business days for a verification letter that ANYONE else could simply get ahold of. There are tons of ways to verify an identity that do not require a letter over the mail. This situation is almost comical if it wasn't so frustrating. Now I will be dealing with bounced transactions for any auto-subscriptions that I have tied to this account. My only alternative is to use my bank card, which is NOT ideal. 

Citibank - you are going to lose potentially lifelong customers with this antiquated practice.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TD BANK US HOLDING COMPANY (NY)

Please see attached form sentry has mailed to me. XXXX has been calling me non stop from morning hours till XXXX XXXX at night consistently every 3 minutes. They call while I am at work. A woman had threatened to call my work and tell them about my debt. They are harrassing me and have been from an unknown number. I am homeless and have been the last 3 years and live in my car. There are certain bills I can not pay because the amount is too high. I am willing to work with the creditor but not if they are harrassing me and the amount they want is way too high. I make minimum wage and am again homeless and live in my car. I go without eating most days because bills have piled up and I am trying to do the right thing by trying to make payments when I can.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

XXXX and Goldman Saks are nor fixing the incorrect balance reported of my apple credit card Gc. 

After 8 months XXXX still showing a balance of {$2600.00} affecting my credit score and causing damaging financial issue. i ask them to fix it but after XXXX  months still no update. 

My credit balance hasnt been update to XXXX since XX/XX/year>. 
If apple card doesnt want to report they have to remove it or update it with the correct balance. 

I contact both companies but unable to fix the issue Both XXXX and XXXX  are reporting the correct balance. 
I added some screenshot below to show the error
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING ( XXXX XXXX XXXX XXXX ) in the amount of {$460.00}, account opened XX/XX/year>. I am requesting that this item be removed as I am the victim of identity theft.