davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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. (FL)

This is my NUMEROUS 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 challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I tried to Transfer money from my chime credit builder account to my chime debit account when the money was transferred Im supposed to receive a email notifying me and which I did not, then we tried to transfer the funds to my wifes bank account we kept getting errors and was kicked out of the account, when we logged back into the account the money was gone and my account was negative again, and they provided the transfer ID but will not give any other information regarding the money they just keep saying there is no money, since XXXX we have been requesting a card for this account and we would never receive it, we would call and they would tell us a different date to review the card when we didnt get it my wife opened a account and we tried to wire it to the account as well as a instant transfer they have been giving us the run around since XXXX when we logged into the account there was no history or transactions in the feed and they will not tell me why
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are some negative Late Payments on my Credit Report for the below company : XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # XXXX & XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I am filing this complaint to dispute negative information on my credit report maintained by the credit reporting agencies under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding permissible purpose.

Upon reviewing my credit report, I have identified certain negative information that has been reported without my explicit permission or a permissible purpose as defined by the FCRA. As a consumer, I have the right to control who can access and report information about my credit history, and I did not authorize the reporting of the negative information in question. I hereby request that the credit reporting agencies conduct a thorough investigation into the reporting of this negative information and provide documentation demonstrating the permissible purpose for its inclusion on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only permitted to furnish consumer credit reports to those with a permissible purpose, such as for credit extension, insurance underwriting, employment, or other legitimate business transactions.
Consumer complaint received 2024-04-23
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

In either XXXX or XXXX, I reveieved a call from the debt collection agency stating I owed a final bill on some XXXX account. I explained that I didnt own that XXXX account or the debt that it must be in regards to my fathers account. I then stated I would pay a partial amount to just be done with it because the collector stated that regardless of who owed the debt it would be reported on my credit and I wanted to avoid this. Then a few days after that call and payment, I receieved another call from an agressive collector stating the amount owed was not for a final bill ( as originally stated ) but instead for an equipment charge. I also explained that I had no idea what he was talking about and asked for validation of the debt, that I never received, but he said it was validated by their client and that it would be reflected on my credit regardless of who owed the debt. 

At that point I refused to pay and stated on the recording line that I was disputing the debt, sent an email stating I was disputing the debt and demanded a proper validation of the debt. 

On XXXX of XXXX, I finally receieved some formal notice of the debt in the mail. It was not a validation letter or an itemized bill explaining the debt but just a letter stating I owed {$130.00}. I then received a phone call regarding that same debt and the representative said I owed more than what was stated in the formal notice. Due to this disprencency, I sent email alleging this was a violation of the FCDPA 807 ( 2 ) ( A ) and demanded formal validation notice and an itemized bill and proof that this debt belong to me. 

I received absolutely nothing from the debt collection agency. Now, I see that both Credence Resource Management and XXXX XXXX are reporting the same exact debt on my credit but again with different amounts. ( CRM : {$140.00} - XXXX XXXX {$270.00} ). 

I have yet to receive a formal validation notice, itemized bill or proof the debt belongs to me from either agency.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-04-23
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. (GA)

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. 

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. 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 a 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 ) ( 1 ) 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.
Consumer complaint received 2024-08-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (TX)

Received message about a pending transaction which I did not authorize. Notified Cashapp and blocked the company. Cashapp said they will not dispute any pending transations on my prepaid card. I would need to wait until the pended transaction, which i blocked beforhand, was processed by cashapp until i can attempt to dispute an unathorized charge. Not sure why the company is able to submit an unathorized payment request on a prepaid card, or why cashapp is unwilling to attempt to stop the unauthorized request form being processed. Then the unauthorized pending charge was in fact debited from my prepaid account. I attempted to submit a request to reverse the unathorized charge for the blocked company and was told that prior to submitting my request, i am required to disclose my trust 's social security number to verify my identity. This is on prepaid account and a request to simply reverse an unathorized charge. All my protected information was provided prior to opening the prepaid account years ago. Because i declined to redisclose a social security number for idenity verification only, i was denied service. I then requested the company remove all my information and close the account as a whole. Which they have not done. I understand verifying idenity to open or close an account, but demanding a social for identtification on something prepaid is wrong.
Consumer complaint received 2023-07-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (IN)

In XXXX I went into the XXXX store in XXXX Indiana with my XXXX cousin, because she was looking to purchase a vehicle. I wasnt looking to purchase anything, because my vehicle was almost paid off I only had about {$300.00} dollars left and the truck was mine paid in full. The guy that was helping my son look for a vehicle, but then she decided not to buy from them. So the car sales man talked me into getting a vehicle, and I did the application an it came back that I needed a co-signer an he asked me if I knew anyone that would help me, and I said yes which is when I asked my grandma to and she said yes. Well I got approved with my grandma being the first one on the loan and me second. Not too long after that I found out that I was XXXX  which the XXXX was XXXX XXXX, and I couldnt work so I went to the XXXX store to explain my situation to them, and they told me that I had to speak with the loan company which was credit acceptance and I did to inform them that I was voluntarily returning the vehicle due to me not being able to work because of my XXXX XXXX XXXX I ended up losing my house, and moving in with my grandmother with my XXXX XXXX XXXX So in XX/XX/XXXX I received by mail that I was being sued by them for the remainder of the balance of the vehicle after they sold it in auction for over {$9000.00} dollars. I was not served a court date by the company by law enforcement for any of the court dates. The only court date that I was given was for them to garnish my wages, and I attended the hearing and the lady that came said that she wasnt a lawyer, and asking me so many questions which I answered them honestly informed her that I could not afford to have my wages garnished due to me being the sole provider for my XXXX children and I take care of my grandmother too. She said that she would talk to the company about me making monthly payments that was on XX/XX/XXXX and I have yet to hear from the company. I feel like the XXXX store and the loaner knew that I would not be able to make the payments and talked me an my grandmother into a contract illegally targeting me and my grandmother.
Consumer complaint received 2024-09-02
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. (TX)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter as well as documents for a verification and validation ( from the courts ) for errors listed on my credit report only to have them " verified ''. I myself have written the courts and received nothing. I requested from the credit reporting agency and again not received anything. 
I now am writing to formally lodge a complaint against the major credit bureaus ( XXXX, XXXX, and TransUnion ) for their continued listing of a bankruptcy on my credit report without providing any supporting documentation. Despite my repeated requests for verification and documentation, the credit bureaus have failed to comply, causing significant financial distress. 
I have contacted each credit bureau XXXX XXXX requesting verification and documentation of the bankruptcy listed on my credit report. 
Despite my efforts, the credit bureaus have not provided any documentation to support the continued listing of the bankruptcy. 
The inaccurate listing of this bankruptcy has severely impacted my XXXX XXXX and financial well-being, causing me undue hardship. 
The Impact on Financial Well-being The continued listing of this bankruptcy has resulted in : Denial of credit applications Higher interest rates on loans and credit cards Emotional and financial stress I request the CFPB to investigate this matter and take appropriate action to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by either providing the necessary documentation or removing the inaccurate bankruptcy information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NY)

I've recently had some issues with transactions I definitely did not authorize, NFCU claimed they saw no error. 

Today, on XX/XX/24, my debit card randomly stopped working. I reached out to support and the told me my debit is suspended for the next two years - I received absolutely no prior warning, email, or letter that this was going to happened. I have funds in my account that I can not even use or transfer. 

This happening without any notice has caused me extreme stress as I can not even pay my bills or access my funds.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

XXXX XXXX XXXX XXXX authorized ATM transaction totaling {$520.00} was withdrawn from my account. I reported it to the fraud department immediately upon realizing my debit card was stolen and my XXXX compromised, 4 hours after the transaction took place. Chase Bank almost immediately denied the claim, with little to no explanation. I need that {$520.00}
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFM Group LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFM Group LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details of the Incident XX/XX/XXXX : Scheduled deliveries by XXXX XXXX XXXX failed to arrive multiple times, directly impacting the operations at XXXX XXXXXXXX XXXX 

XX/XX/XXXX : XXXX increased prices by XXXX XXXX  and decreased XXXXXXXX XXXX by XXXX XXXX without prior notification, violating our existing agreement. 

XXXX - XX/XX/XXXX : Multiple communications were sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  addressing the unauthorized price increase and supply issues. The responses received were unsatisfactory, with no resolution within the 30-day period specified in our contract. 

Unauthorized Actions : There have been instances of forged receipt signatures when services were claimed to be delivered by XXXX, raising legal and ethical concerns. 

Interaction with CFM Group Missed Call and Voicemail on Current Date : CFM Group left a voicemail regarding an outstanding balance for XXXX XXXXXXXX XXXX, threatening to report the debt to credit bureaus. 

Return Call and Discussion : XXXX XXXX XXXX XXXXXXXX XXXX XXXX returned the call to dispute the credit card chargeback and collection action. CFM reviewed the email chain but insisted on resolving the dispute by offering a reduced payment, which was refused by XXXX. 

Outcome : CFM noted the account as " refuse to pay '' and threatened further action, such as reporting it to credit bureau. 

Requests and Actions Taken Review by CFM : CFM needs to thoroughly review the email chain sent by XXXX XXXX and provide a decision on the dispute. 

Credit Report Update : CFM is expected to update the credit report to reflect the 'no status ' consequence for XXXX XXXX refusal to pay, acknowledging the ongoing dispute. 

Documentation and Communication : All interactions and transactions have been documented without including personal identifiers.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).