davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NC)

I discovered today that someone hacked my payroll company and had money sent to a Chime account. I notified Chime of this fraudulent activity. They were totally uninterested. They asked repeatedly about transactions that I had authorized. I could not make them understand that none of the transactions were mine. They are all fraudulent and that the account needed to be inactivated. They refused to listen. I finally just hung up with no resolution. I guess they not interested in fraudulent activity as long as they are gettin their money.
Consumer complaint received 2024-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc. (KY)

A amount of {$26000.00} was borrowed and it was returned to them but, the bank said it wasn't returned so i hired a lawyer and had it charged off my credit report but, it has been sold to another collection company and it shouldn't be showing up on my credit report again!!!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

The information disclosed on my consumer report is unverifiable and inaccurate. The law states that records must be removed from consumer reports if the information is unverifiable or inaccurate. I have not provided my physical signature allowing the disclosure of this information on my rental screening reports and the XXXX XXXX XXXX XXXX has confirmed that they do not release information to third party providers. Please see attached documents.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

I am writing to formally lodge a complaint regarding an issue I have encountered with your Zelle pay service. My mobile number was recently ported from XXXX XXXX to XXXX XXXX 2 years ago, and I have been unable to register and use Zelle before and after the porting process. I can't register Zelle with my XXXX  XXXX XXXX or XXXX XXXX. 
Despite multiple attempts to resolve this issue through customer support channels, the problem remains unresolved. Here are the details : XXXX  XXXX : XXXX XXXX XXXX XXXX since XXXX  XXXX XXXX XXXX Mobile Number : XXXX Issue : Unable to register with Zelle due to verification problems I have confirmed with XXXX XXXX that the porting process is complete and there are no restrictions on my number. I have also attempted to seek assistance from Zelle support, but the issue persists.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

I pulled a copy of my consumer report and noticed some items I would like to dispute. XXXX  XXXX XXXX has already stated that the item reporting on my credit should not be reporting so I need a new credit report with the tradeline DELETED. Also, for the Discover accounts, I am requesting the method of verification that XXXX used to verify these items per 15 U.S. Code 1681i ( 7 ) as is my right to request under the Fair Credit Reporting Act.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (NJ)

According to the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is on my report 2 separate accounts is paid and both accounts should be removed - see attached. 
XXXX XXXX XXXX XXXX XXXXXXXX - Never late all 3 companies have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am financed with XXXX XXXX XXXX and my report score has gone down XXXX points because bureaus are reporting my vehicle balance increased around XXXX and payment was made as agreed which should be reported as a decreased balance. Also reporting for XXXX is not showing on XXXX, and XXXX. Please update report with accurate current information and adjust scores.
Consumer complaint received 2024-07-23
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

There is an unauthorized transaction on the Vanilla Gift Card I purchased for {$500.00}. The transaction which I don't recognize is from XXXX amounting in {$370.00} which was on XX/XX/year>. I tried reaching out to the card company but got no help and was not able to connect with them in any way. Tried filing an dispute through the website but it keeps giving me XXXX  to solve without moving further. It then tells me to contact them but there is no way to connect with them on a call. The automated system tells me to file a dispute through the website.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: StellarFinance, Inc. (ME)

On XX/XX/XXXX I was expecting a credit report as apart of my service with StellarFi ( their Permium Plan ) and did not receive it. I also noticed that StellarFi had not reported my credit building credit line to XXXX since XX/XX/XXXX. I have been a customer since XX/XX/XXXX. On XX/XX/XXXX I contacted StellarFi customer service and asked them why they were not providing a credit report for the month of XXXX, and why haven't they reported my line of credit since XX/XX/XXXX, a 6 month delay in credit building. XXXX confirmed that the company will not be able to resume services as agreed until approximately XX/XX/XXXX. I asked them why they didn't notify there customers that they were not going to be able to meet the terms of agreement and got no answer. I asked for a credit for those months and was refused. Unfortunately many consumers believe that there service has been reporting a credit limit in order to rebuild there credit as advertised to 2 bureaus and the company is scaming them. Please do an investigation and help notify there customer of StellarFi 's breach of contract.
Consumer complaint received 2024-07-04
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. (KS)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-07-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OH)

Dear CFPB, I am writing to file a formal complaint regarding a private student loan I took out in XXXX. That is showing opened XX/XX/XXXX on my credit report. I have several issues that I believe need to be addressed immediately, as detailed below. 

Background Loan Date : XXXX not XXXX Account Number : XXXX Reference Number : XXXX Current Creditor : Transworld Systems Inc State of Residence : Illinois Issues XXXX. XXXX XXXX XXXX : In or around XXXX, both my federal and state income tax refunds were withheld to satisfy part or all of this debt.

2. Statute of Limitations : As the loan was taken out in XXXX, and given that the statute of limitations for debt collection in Illinois is XXXX  years, I believe that this debt has surpassed the time frame for legal collection efforts. It is my understanding that this debt should no longer appear on my credit report.

3. Request for Itemized List : I am requesting a detailed, itemized list of all charges and payments made towards this account. This includes all payments applied from tax refunds or any other sources.

Actions Requested 1. Credit Report Corrections : Remove this debt from my credit report due to the statute of limitations being exceeded and the partial payment received from my tax refund.

2. Itemized Statement : Provide an itemized list of all charges and payments made towards this account, including but not limited to the amounts collected from my tax refunds.

I kindly request that the CFPB investigate this matter and take appropriate actions to resolve these issues. Thank you for your prompt attention to this complaint.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was shocked to find inaccurate accounts listed on my credit report tonight, and I cant figure out how this happened. I check my report regularly, but this time, there were unexpected discrepancies. I thought maybe it was just a browser issue, so I refreshed the page, but the wrong information didnt go away. Now, Im asking for a careful review of the documents Ive provided so I can finally stop worrying about this situation.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (HI)

It shows that I owe {$120.00} to Wells Fargo Credit Services however that account has been closed for over 4 years. I would like this removed from my credit report or updated so it does not reflect unpaid.
Consumer complaint received 2024-07-20
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I disputed the missed/late payments on the accounts with Comenity Capital Bank ( listed below ) because I've never been late or missed a payment. All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update anything. 

XXXX Charge account with account # XXXX XXXX Charge account with account # XXXX XXXX Charge account with account # XXXX XXXX  Charge account with account # XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE 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. 

This company 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 2024-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I opened a savings account in Marcus by Goldman Sachs on XX/XX/XXXX. I deposited {$29000.00} in to the account on the same day. I have since only logged in once or twice to check that the transaction went through, I did not engage in any repetitive or unusual activity on the account. I tried to access the account on the XXXX, and it was locked. 

When I called the support team, they were non-cooperative, telling me that they can't tell me why my account is locked and not telling me when or how I will be able to access it. They said that they can't authenticate my user even though I was providing them with my correct SSN, date of birth, name, and phone number ( same information associated with my Marcus account ). 

It is very frustrating that my money is held for unknown reasons and with no clear way of getting it back, considering that I have to pay for my education very soon and this was all of the money I have been allocating for that. This feels like a scam.
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services (CA)

On XX/XX/year>, I prepaid XXXX for a XXXXXXXX XXXX XXXX  to rent on XX/XX/year>, at the XXXX airport. At the time, XXXX allowed reservations for this specific model for an extra fee and advertised that all XXXX had Autopilot, an important safety feature for me. I own a XXXX XXXX XXXX XXXX because of Autopilot. When I picked up the car in XXXX, I found that XXXX wasnt working. I informed the XXXX attendant, who told me that Autopilot was intentionally disabled on all their XXXX  due to a recall. I explained that the recall solution was a simple software download from XXXX, but she said she couldnt help, and since it was late at night, I accepted the car. XXXX provided no advance notice that XXXX would be XXXX. ( FIRST FTC VIOLATION : False advertising. ) While I had the car, I tried multiple times by phone and email to get the software download or have another XXXX delivered to me that functioned as advertised. I was unsuccessful and eventually returned the car and ended my vacation early. I followed up with XXXX several times, but they responded with strawman arguments. I disputed the charge through XXXX XXXX, who ruled in my favor. Despite winning the dispute with XXXX XXXX, XXXX has continued to bill me, and threatened to suspend my account. ( SECOND VIOLATION : Suspending my account after losing a credit card dispute. ) After several more unsuccessful emails, I called XXXX, and the representative told me that the XXXX XXXX resolution didnt matter and that I still owed the fee. ( THIRD VIOLATION : bypassing the Fair Credit Billing Act. ) I informed XXXX of all this by email and said I would report them to the XXXX  and FTC if they sent another bill. Their only response was to offer credit vouchers toward my next rental. I have since received a bill from XXXX, their collections agency. I have mountains of evidence to support each of my claims above. This is harassment and I want it to stop. I already reported this to the FTC and to the XXXX, who is awaiting a response from XXXX. But the problem is a lot bigger than this. I happen to be a resourceful person, but not everybody has that advantage. NOBODY should be treated like this. XXXX should be fined or shut down permanently.
Consumer complaint received 2024-09-05
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. (MN)

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( XXXX ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( XXXX ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Consumer complaint received 2024-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

XXXX, the mortgage debt collector, is putting undue burden in responding to a mortgage recast request. 

Before XXXX my wife and I had separately messaged XXXX via its online portal about recast but did not receive a response. 

On XXXX I contacted by phone XXXX to initiate a mortgage recast because that can not be done online. They said to follow up in one week. 

On XXXX I followed up via phone and the rep said they will need to mail a letter to me for the recast. 

On XX/XX/XXXX I followed up once again and they confirmed the letter was only mailed out on XX/XX/XXXX. 

I believe XXXX 's system is deliberately slow at processing a mortgage recast because they are able to extract more interest payment from us. It is an unfair practice that creates undue financial stress
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (GA)

STATUS XXXX XXXX made this response about the improper use of my information on XX/XX/XXXX. 

Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of XXXX XXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. XXXX XXXX has reviewed XXXX XXXX concerns. Our records show that our member established the following XXXX XXXX accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the XXXX XXXX Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX XXXX XXXX loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). 

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else.