davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

The following companies are reporting fraudulent activity on my consumer report with Innovis. 

XXXX, XXXX XXXX and XXXX XXXX were provided registered securities for full satisfaction of the account. They have stolen my securities and reported that I owe them a debt. I do not owe them a debt. Further, a charge off is considered income per the IRS and income is not reported to consumer reports. These companies are using my identity to report to a third party which is identity theft and in violation of multiple federal laws. I have not given these financial institutions the authorization to use my identity however they see fit. This is a federal crime to do so. It is a federal crime to claim that a consumer owes a debt when in fact that consumer does not. I am willing to overlook the role Innovis has played in these fraudulent activities as long as the company deletes the information and ceases selling and/or sharing my identity or any other information contained in this consumer report.
Consumer complaint received 2023-06-12
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Please correct and update.
Consumer complaint received 2024-08-30
Product: Credit 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: JPMORGAN CHASE & CO. (TN)

I purchased vacation packages through XXXX for both flight and hotel packages, our flights was cancelled due to XXXX outage on XXXX. we have been informed of cancellation to our flight on XXXX by email and not able to flight to our destination due to XXXX regulations no flights is leaving the airport for safety reasons. 
Contacted XXXX on XXXX regarding this issue and was unable to resolve. so I dispute through my Chase bank where the credit card was used to purchase the package.the price for the Hotel name XXXX XXXX XXXX XXXX was for 3 night 5 Adult and 1 child, check in time is XXXX for the amount of {$2400.00}. The bank ( Chase ) declined my dispute for this charge on XXXXstating that I had received and used this service.
Consumer complaint received 2024-08-22
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 (IL)

Today around XXXX an XXXX charge was made to my account from audiable charged by XXXX that I did not authorize. I had my card lock and chime still allowed this transaction to happen while I was sleeping. They wouldnt allow me to dispute it right away saying that I have to email chime customer support and chime customer support email replied they declined the dispute and I would have to contact customer support via phone. Neither was a help they both told me to email when I called and to call when I emailed giving me a run around.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion and XXXX said that they're already DONE doing their secondary investigationon those disputed COs that were issued on my credit files. They said they have confirmed it with thefurnishers of the information. BUT upon checking my updated credit report today, they didn't even update their comments or remarks from it. It was all the same old comments that they've had in my past credit reports. It only means that they have NOT really done any investigation after all. If they really talked and confirmed it with the creditors, they should've deleted these accounts in the first place because they have added these accounts on a wrong credit profile.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Recently i did a investigation of my credit report, which caused severe XXXX on me, i found unveriable, inaccurate, invalidated and questionable items that your agency didnt make sure it was reporting 100 % accurate. In accordance with Fair Credit Reporting Act, everything must be correct and under 15 US Code 1681i { 5 } these accounts are in violation of not reporting 100 % accurate. The credit reporting agency says that these accounts were properly investigated abd came back as verified. However how is this true when there are several inaccuraties ahowing on my report? As a consumer, i request to know all the steps your agency took to ensure these items were correct under Code 15 US 1681i { 7 } Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc. (GA)

I have two vehicles purchased under Carmax Auto Finance in XXXX of 2021. The finance department assured me that the payments for both of my vehicles would report on my business credit report as well as my personal report. To this day, none of the payments have reported to my business report, only my personal. I have reached out several times and have not been able to resolve this issue. The vehicles also have my business listed as the primary buyer.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance is currently reporting my open account as late while on a current payment plan with them. According to U.S Code 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the
billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also, in accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy ( 12USC 1681 section 604a section 2 ) It also states that the creditor can not furnish an account without my written instruction.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

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 the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

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 the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-25
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. (CA)

To my knowledge, I have not signed any documents authorizing the above companies to view my credit history. These inquiries are not factual and were for no legitimate business purpose. Therefore, reporting these inquiries onto my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I will be holding Experian liable along with the Companies reporting these inquiries. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-25
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. (NJ)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery Associates have been harassing me over accounts I have no knowledge of, they call with inaccurate amounts, dates, fraudulent charges, threatening to sue me over XXXX accounts XXXX reporting last digits XXXX & XXXX, Ive requested they respond by mail, due to Calls XXXX and Text messages. This must be Identity Theif, Thanks
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION (FL)

I requested a loan modification in XX/XX/XXXX, but they didnt respond to my request until XX/XX/XXXX, indicating that the documents had been lost and that I needed to resubmit them. The documents were resubmitted in XX/XX/XXXX, and in XX/XX/XXXX, they sent a modification changing the terms from an interest rate of 4.62 % to 6.00 %, which increased the payment. Payments were being made until XX/XX/XXXX, when I encountered financial difficulties and requested a payment modification. In the account statement sent for the modification, they applied foreclosure costs and attorney fees, which I understand to be illegal and abusive actions against the client, as the account was only two months overdue when the modification was requested. There were no foreclosure proceedings initiated, yet they are charging illegal fees. The property is currently for sale, and I asked the lender to grant me time for the sale so I can settle the outstanding debt. According to federal laws ( RESPA ), the lender is in violation of the clauses that protect the borrower. The loan originated with Loan Depot and was sold to SNC, a collection company that does not act in good faith with the borrower and lacks knowledge of legal processes. My interest is in protecting my only secure home, as I am XXXX XXXX XXXX, and this is my safe place. SNC 's constant abusive practices have affected my mental health, and given my age, it would be unfair to face a foreclosure process on my property due to illegal and abusive practices.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

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 the following unauthorized accounts and inquiries : XXXX CARD XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

XXXX, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections )
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV INC. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 disputing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I tried to setup XXXX on my checking account and it locked my account and removed it from my online portal where I have other Citi accounts linked. I was able to unlock it after days of difficulties and multiple calls and transfers. I tried to set it up again and it relocked it. I got it unlocked. Then I used it at the atm and it relocked the account. Every time I call I am thrown through hoops and asked many many personal questions they say the information I give them doesn't match public records. They say they are having system issues and updates and they hang up even though I am not being mean I just ask questions about it and they just hang up or transfer me to someone else or another department and have several verification questions just to say they can not help me after asking more questions and long hold times. They were able to unlock it by texting a code to my number on file the first couple of times but then they say that they can not do that and one woman even called me a liar that they can not ever do that. They said they left a voicemail with a reference number but I never received a call from them. Then to wait for a letter in the mail with a reference number and when I called with that reference number they said I have to wait for an additional reference number letter and when I asked why I need a second one they said XXXX have to wait for the letter thank you for calling ' and hung up. So I called back and they asked many verification questions and then said, XXXX will have to contact the account holder ' and hung up. I am the only person on the account.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Last year WellsFargo put a XXXXXXXX XXXX XXXX on my account due to a ticket loss dispute I was involved with, with XXXX XXXX for discrimination against those with XXXX. Without gathering adequate information from me pertaining the dispute, they reversed the credit in my account putting me in overdraft and causing my life and mental health to be put in jeopardy. As a caregiver, I already have limited funds and deal with alot of stress. 

They have also been staggering the withdrawal times again, in order to gain profit from overdraft fees. 

I'm considering taking legal action against Wells Fargo for endangering my life and causing further issues with my mental health. If I could I would get a lawyer and sue them.
Consumer complaint received 2023-06-12
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NC)

XX/XX/year> - I tried to use my citi debit card for some purchases and they were denied. I called the citi fraud protection number and they verified my info and said that my card should be good to go. I tried again and it got denied again then i called the fraud line again and they said that my account is under review and they should gret back in touch within XXXX hours. A couple hours later I tried to login to my checking account via citi mobile app and my account was closed. I called the citi fraud protection line again and they said that they decided to end our relationship and that they will review the account and send a check with whatever balance was left in 60 days. I asked for explanation why and they gave me no answer. I asked to talk to a supervisor and they said no and hung up on me. I called the Citi executive response unit number and they were much nicer and gave me a case number for my inquiry XXXX. I just want my account reopened so I can get my cash out and be done with it.