davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

Lowes Credit Card. 
Back in XXXX XXXX XXXX I was late with a payment because I never received the bill. On XXXX XXXX XXXX  I called to see if they would waive the late fee of {$40.00} which they did. Since this date, the {$40.00} was never removed and it is accruing interest of {$2.00} each month. In XXXX XXXX XXXX, I called them and they refunded {$40.00} plus {$4.00} and then charged me another {$2.00} for XXXX and XXXX. I called again in XXXX and only refunded me {$2.00} on XX/XX/XXXX and charged me another {$2.00} on XX/XX/XXXX. On XX/XX/XXXX, I spoke with an account manager, XXXX who assured me this would be taken care instead they deducted the {$44.00} plus {$6.00}, and then re-added the {$44.00} on the same day I called and another {$2.00} on XX/XX/XXXX. In XXXX, I spoke with another account manager, XXXX, and also assured me that this error would be corrected. As of today, I received the XXXX statement and they deducted the {$44.00} plus {$2.00} but it is still being carried on my account summary and accruing interest. No interest and no late fee should be showing on my account summary nor should it be on the bill since they waived it in XXXX of XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

Midline credit management has 2 accounts that they bought. One from XXXXXXXX XXXX from {$1000.00} and another from XXXX XXXX for over {$1600.00}. I took care of both. The XXXX XXXX one was totally taken off my credit and was not reporting by anyone. Then more than 6 months later the account was posted as a collections. I dont know how you can put a collections on a credit report thats not reporting on a credit report. The other account was reporting at {$0.00} balance was before they bought the account. So I dont know how they can tell me that they will soon add that one as well to my collections.
Consumer complaint received 2024-07-08
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"
Consumer complaint received 2024-06-30
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. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX On XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XXXX, I sent a letter to [ TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX  following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I received a response from [ TransUnionXXXX ] indicating that their investigation was complete and the accounts in question were deemed accurate. 
However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX XXXXXXXX XXXX Details Inaccurate : LAST PAYMENT, HIGH BALANCE, DATE OPENED, DATE REPORTED, ACCOUNT RATING According to 15 USC 1681i ( 5 ), XXXX is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer & # XXXX ; XXXX file. 
Additionally, under 15 USC 1681e ( b ), XXXX must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
XXXX has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Empower Finance, Inc. (MO)

I had my checking account connected to make payments and was making them on time. Suddenly, they disconnected my checking account for no good reason and would not help me get it connected. They would not connect my debit card either. Thus, I had no way to pay them. 

They tried to get me to open a bank account with them, but with the issues I had I did not trust them. Because of them I am now two payments late and have been dinged on my credit reportand they do not care.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. The person who stole my identity is XXXX XXXX and she goes by other aliases. https : XXXX XXXX XXXX XXXX XXXX best friend / roommate / business partner stole my information before she moved out to live with this woman. They drained my bank account over $ XXXX. XXXX gave me a credit then reversed it and has refused to help me recover the funds. This woman also opened credit cards in my name. After everything was disputed I closed the account. XXXX month later chase reversed the debt and wants me to pay over XXXX. The debt is now on my credit as XXXX, XXXX, XXXX, XXXX, and over 120 days late. I have called many times to dispute, they are no help. I submitted a dispute form. XXXX lost it. I submitted another dispute form and it magically disappeared again ( my guess was XXXX wanted to buy time to charge me interest and make my account more late ) I again for the third time submitted another dispute form and chase lost it again! An electronic dispute form. They informed me I needed to go in person to the bank even though I explained I was living on a mountain not near any banks. One month later I was able to go into a bank in person to submit a paper dispute form with the help of a teller. XXXX LOST THIS DISPUTE FORM. I had a picture and the employees name and they refused to accept it and insisted I needed to go in person to submit another paper dispute form. I go in person to submit my 5th dispute form over the course of several months. XXXX lost it again. When I finally submitted my 6th dispute form in person they rejected my dispute without reason. I requested for them to reopen the case and they refused and said I needed to pay the debt and they could not help me recover the funds. I provided my police report also ( the police refused to help because identity theft is a nonviolent crime ) I requested proof the debt was me and an itemized list of debt per section XXXX over the phone on two different occasions and XXXX refused to provide me the information and says they are not bound by section XXXX. I am trying to find a lawyer I dont know how to fight this big corporation to get my money back- I feel so helpless.
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX Coinbase deducted {$790.00} in litecoin from my account for a transaction of {$790.00} from XX/XX/XXXX because a chargeback had been initiated, on XX/XX/XXXX the I confirmed with my bank that the chargeback was cancelled and the funds from the original XX/XX/XXXX transaction were returned to coinbase. Coinbase has not returned the {$790.00} in litecoin it deducted from my account on XX/XX/XXXX to cover the chargeback even tho the chargeback was cancelled. 

Their support just keeps explaining to me why they deducted the funds on XX/XX/XXXX but doesn't seem to understand that I get why they did it but they got the original funds back so the litecoin that was deducted should be returned to me as well otherwise I paid {$1500.00} for a {$790.00} transaction
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I started a dispute with Bank of America regarding a merchant by the name of XXXX XXXX XXXX XXXX. The merchant resolved the issue and I called Bank Of America and withdrew the dispute on XX/XX/XXXX! The bank had credit my account a temporary refund which the immediately took back. But the bank withdrew 2000 $ from the merchant which caused my vehicle to be repossessed! I called the bank numerous times asking where the money was, and have been giving different answers! The are blaming XXXX saying they have until 45 days to release the funds. Bank of America has been sued for unlawful business practices, yet they continue to practice these acts. I cant wait 45 days to get my vehicle back! Bank of America refuses to help me and even ignored me when I had to leave my job, to go to a local branch. I just want my money refunded so my vehicle will be returned.
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upo

n fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-05-27
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma (CA)

I disputed an unknown account charge back in XXXX and was told the dispute would be completed by XX/XX/year> and its still in limbo. I reached out to credit karma in regards to the dispute not being processed who directed me to XXXX XXXX re-directed me back to credit karma and provided their phone number the number XXXX gave me was the XXXX  phone number.. dispute is still pending 2 months later
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX This Information is Incorrect, remove. 

XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX  XXXX This Information is Incorrect, remove The following personal information is incorrect. 

XXXX XXXX, XXXX. XXXX, NY. XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

I have been a victim of identity theft and I have reported this incident several times no one is to allow anyone to open any type of telecommunications accounts under my name I have been framed ny XXXX XXXX XXXX XXXX XXXXXXXX you name it Ive tried to solve this issue by placing a block on my credit and this does not seem to work no one should be able to open these types of accounts under my name and yet they still are able to do so and its not fair to me
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP ()

Hi i am from XXXX an i did a work and travel to XXXX XXXX XXXX in XXXX, i open an account in XXXX XXXX and deposit mi money there, when i came back to XXXX i leave money there so i can transfer if i need it. In XXXX they close mi account with XXXX us dolars saying some movements were fraud but its isnt. They never ask to me if i notice something strange in mi account and they close mi account without consulting me.Now they have mi money and they dont do anything to give me mi money, i ask to open a new account but they say no. The only way they say can help me its with a check but i dont have nobody in the us XXXX I ask if they can deposit mi money in a friend account and they say no. I dont know what to do, since 1 year i have this problem and i need a solution, please help me to bring mi money back, thank you
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

I SUFFERED FROM IDENTITY THEFT. I WENT TO CHIME AND DISPUTED THE TRANSACTIONS FROM MULTIPLE COMPANIES.THERE WERE UNAUTHORIZED AND FRAUDULENT TRANSACTIONS DONE FROM A FEW COMPANIES. I PROVIDED A HAND WRITTEN, INK STATEMENT SAYING I DID NOT AUTHORIZE SAID TRANSACTIONS FROM SAID MERCHANTS. THE EXACT EXAMPLES ARE " XXXX '' AND " XXXX ''. THEY DECIDED TO CHOOSE WHICH TRANSACTIONS THEY CHOSE TO DENY WITHIN HOURS AND WHICH TO ISSUE MY TEMPORARY CREDIT. THEY FOLLOWED TO CLOSE MY ACCOUNT AND NOT PROVIDE ME WITH INFORMATION AS TO HOW THEY DECIDED THEIR VERDICT. THEY HAD ME OPEN A REBUTTAL AND XXXX TICKET ORDERS LATER THEY CHOSE NOT TO GIVE ME INFORMATION REGARDING WHO OR HOW THE " INVESTIGATIONS TEAM OR DEPARTMENT '' CAME TO THEIR VERDICT. ACCORDING TO THEIR XXXX  " NO LIABILITY POLICY '' I AM ENTITLED TO A TEMPORARY CREDIT AS THEY CONDUCT THEIR INVESTIGATION. NO ONE IS ALLOWED CONTACT THEIRT INVESTIGATIONS DEPARTMENT AND THEY CANT EVEN GET A HOLD OF THEM LET ALONE KNOW WHO WORKS ON THESE DISPUTE CASES. 
THIS HAS CAUSED MY FAMILY A LOT OF HARDSHIP AS TO ME HAVING TO BORROW MONEY WHILE THEY GIVE ME NO ANSWERS. I AM IN A FINANCIAL HARDHSIP AND WHAT THEY ARE DOING TO ME IS WHAT THEY DID TO THOUSANDS OF PEOPLE RECENTLY. THERE WAS A XX/XX/XXXX RULING ON CFPB ORDERING THEM TO PAY BACK OVER A MILLION DOLLARS FOR THE SAME ILLEGAL PROCESS THEY ARE CURRENTLY DOING TO ME. ALL I ASKED AND ASK FOR IS THE TEMPORARY CREDIT I AM DUE ACCORDING TO THEIR POLICIES AS THEY CONDUCT THEIR INVESTIGATION. 
I HAVE ALL AND MANY MORE OF PROOFS OF WHAT I SENT TO BE COMPLIANT. WILL SEND MORE IF ASKED. 

IN THE EXAMPLE OF XXXX  OR XXXX, I ALSO HAVE " XXXX XXXX  '' IN WHICH I NEVER USED THEM BEFORE THE DISPUTE OR AFTER, BUT THEY PICKED AND CHOSE WHAT THEY WOULD ISSUE TEMPROARY CREDIT TO AND WHAT THEY WOULDNT ALTHOUGH THEY WERE DONE ALL EITHER A DAY OR HOURS IN BETWEEN.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2024 I was scammed for {$19000.00}. I reached out to XXXX on the phone only to find later that this indeed was not XXXX. I was trying to access the XXXX I had on the app but could not because my phone somehow got a virus. While on the phone, I was instructed to download XXXX apps that would clear up the virus and help me move my money into my bank account. Once completed, I was asked to verify a series of codes. With each verification, the issue was still not being resolved. Unknown to me each code that was being sent was actually an amount being withdrawn from my bank. Although my screen was showing the downloaded app, the perpetrators somehow had remotely accessed my device and change the display on my phone to appear as if it was receiving and recognizing codes. Nevertheless, many of the transactions were declined by my bank only to be approved after numerous of attempts without my knowledge or consent. The scammers syphoned my money through my cashapp and from cashapp to someone elses XXXX. But the money should have never left my bank. Even with advanced technology that the scammers indeed did have, The bank is required to have risk assessment technology to prevent these type of activities. I have banked with them for years, this activity was beyond abnormal for me. Not to mention the transactions were denied ( recognized as possible fraudulent ) and I never approved them and yet were approved later on. I learned this information once filing my claim at my bank. The bank is responsible for protecting my money. It failed to do so. The financial institution I am referring to is Navy Federal Credit Union.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-07-30
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: EQUIFAX, INC. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. I request the not authorized hard inquiries below : agency : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXt Date : XXXX Agency : Equifax Company : XXXX XXXX XXXX  Date : XXXX Agency : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX