davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of American has an account on my credit report listed as a Charge Off and it is not. When I disputed this through XXXX XXXX the report back from Bank of American indicate the account was at maximum delinquency and it is not. There was an agreement made with Bank of America in early 2022 regarding payment on the account. Since that time all payments have been made to date. The account therefore is not charged off nor is it at maximum delinquency since the payments have been made as agreed. I simply want Bank of American to report the account accurately as up to date and payments being made as agreed. They are showing the balance declining, so why can they not report it correctly.
Consumer complaint received 2024-07-23
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: Experian Information Solutions Inc. (MD)

I am writing to formally dispute an inaccurate and invalid negative account that has recently appeared on my credit report. I do not recognize this account and believe it to be erroneously reported.
Consumer complaint received 2024-08-28
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX-acct # XXXX ( {$3000.00} ), Capital one-acct # XXXX ( {$380.00} ), XXXX XXXX-acct # XXXX XXXX {$370.00} ), SXXXX XXXX XXXX XXXX  -acct # XXXX ( {$130.00} ), XXXX-acct # XXXX ( {$4900.00} ), XXXX XXXX XXXXacct # XXXX ( {$390.00} ), XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX ( {$110.00} ) I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (CO)

Two transactions were wired from my account- {$100.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX by Google Pay for cleaning fees for a house rental. Once I had realized this was all a scam, I had contacted Google Pay twice ( within their 120 day claim period ), to notify them of the scam and dispute the charges. They denied both claims, and tried to tell me this transaction was valid ; that I had actually received the lodging and cleaning services. I tried to put in another claim a couple days ago - XX/XX/XXXX, and they were actually willing to look into it..then they had realized it was past their 120 day claim period, so they just told me they couldnt take care of it. I could understand if this had been my first claim ever a couple days ago, but it wasnt, and Google Pay just kept denying my claim basically until the 120 day period passed, so they wouldnt have to deal with giving me a refund. I kept trying to tell them that its their fault the 120 day period had even passed ; that they didnt investigate this well enough during my first two claims. They are literally allowing scammers to keep ripping consumers off by denying claims! I am going to keep fighting for my refund until I get it back. I will never use Google Pay again after this is resolved. Horrible business.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Consumer complaint received 2024-08-29
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called the companies and they claim they did not pull my report. I contacted Transunion about these inquiries and they told me it would be removed but it has not XXXX XXXX XXXX XX/XX/XXXX ( Bank ) XXXX ( Bank ). XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XX/XX/XXXX ( Hotel and travel )
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX 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 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (NY)

I was told that insurance I signed up for and was paying for would cover my payments if I lost my job. When I lost my job and tried to put in a claim I was told I was denied because I didn't qualify for unemployment. I didn't understand because the point of the insurance I was told was to help me with my payments if I couldn't make them due to losing my job.
Consumer complaint received 2024-08-29
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)

I was really shocked to discover inaccurate accounts on my credit report this morning, with no explanation as to why they appeared. Im used to checking my report regularly, but this time, unexpected discrepancies caught me off guard. I even refreshed my browser, hoping it was just a technical issue, but the errors didnt go away. Because of this, Im asking that the documents Ive sent be reviewed carefully so I can finally stop worrying about this.
Consumer complaint received 2024-07-03
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IN)

they have a duplication on my account of {$1800.00} and {$1400.00} for the same bill and are ruining my credit with 2 separate collections over the same bill plus violation of communication laws. I want both accounts removed off of my credit as it is affecting my ability to have good credit.
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was recently reviewing my credit profile and noticed multiple fraudulent hard inquiries. These inquiries are unfamiliar to me and I never given my personal information out for these inquiries and I never gave my consent/authorization for these inquiries. Below I will listen to fraudulent inquiries to be disputed. 

XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Services XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX via Dealer XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX  XXXX via Dealer XX/XX/XXXX
Consumer complaint received 2024-05-12
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. (MS)

XXXX XXXX XXXX  XXXX is not my account according to FCRA law 15 USA 1681 an 15 USA 1681 I they are supposed to check an make sure it's accurate before adding it to my credit report it's fraudulent an should be deleted I have did all the steps an still no response from company or credit Bureau please delete thanks
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Approximately one month ago I called Portfolio recovery in an attempt to see what debt they are attempting to collect on. I asked for a purchase agreement and amount owed. I let them know that I was unaware of this debt. I received no information regarding this debt from them.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc. (NY)

RTR Financial Services Inc is in Violation of the FDCPA and FRCA. On XX/XX/23 I recieved another communication from them stating I owe them {$550.00} in which under 15 USC 1692b ( 3 ) states a debt collector shall not communicate with such person more than once unless requested to do so by such person, also their in violation of 15 USC 1692 b ( 2 ) stating the amount of debt to be owed as {$550.00}, Violation of 15 USC 1692 b ( 5 ) which states not to use any language or symbol on any communication effected by the mails or telegram that indicates that the debt collector is in the debt, collection business or that the communication relates to the collection of a debt, also 15 USC 1692c ( 3 ) by Contacting me at my place of employment ( without consent ), also 15 USC 1692 b ( 2 ) which states a debt collector shall not communicate with such person more than once unless requested by such person [ in which I never requested that they send me anything, as this is the second notice sent to me which is a form of harrassment ], as I filed a complaint stating that I do not wish to do business with them, also they are in violation of 15 USC Section 602A which state I have a right to privacy. I also demand that the CFPB enforce the law, as this is my second complaint about this company and under 15 USC 1681m I am entitled to monetary relief in the penal sum of {$1000.00} per violation in which which in this letter there is a total of 5 bringing the amount of relief to {$5000.00} United States Dollars. Once again I have no lawful contract with this company, nor do I consent to them contacting me including at my place of employment or anywhere at all.I authorize the CFPB to use whatever method available to enforce payment to me the consumer for violation of my federally protected rights. 
XXXX XXXX XXXX / CONSUMER without recourse [ Please note the address they are mailing is my work address XXXX XXXX XXXX XXXX XXXX as seen in the attached documents ]
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NM)

On XX/XX/2023 chime bank got a SSI payment in the amount of {$910.00} to my account prior to this I almost lost my life to a drunk driver I was XXXX XXXX XXXX in the hospital for over two weeks and then after that I was in the hospital for eight days before being released when I was released I found out that my wallet was missing in my phone with missing from the hospital I got a new phone a new phone number I contacted Chime bank and told them about my situation because I have no money in my account I ordered a new card put a temporary freeze on my card and disputed the transaction because I didnt have the {$910.00} in there I contacted XXXX they said I am under a XXXX fraud liability I told this to them I told him that I almost lost my life and that I need my credit right away if not I would be homeless in less than 10 days they contacted me and said they would have a resolution by XXXX XXXX which is way outside that mark I told them that I qualify for XXXX for liability and then I need my provisional credit right away I almost lost my life and they are not doing that and now me and my child are gon na be homeless they can issue visa said that they can issue my provisional credit right away because this is a top of an emergency situation XXXX XXXX XXXXAnd having a kid become homeless because they want to put an extra nail in the coffin and make me wait because I was a victim put in a report with identity theft.gov I did everything I was supposed to do but theyre not giving me my {$910.00} and when I disputed it they only did it for {$500.00} and not the whole XXXX I ordered new cards I need my money right away I told himI told him if you guys hold his money you guys will be held liable if I become homeless for damages that I suffer in between the XXXX XXXX said that Im under a XXXX fraud liability and that theres no investigation that needs to take place in order for me to get my provisional credit but now I only get paid once a month and they want me to wait for over a month for my pay I will get another Social Security check before they give me my provisional credit this is unacceptable
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

I purchased Bitcoin through this online exchange-Gemini in XXXX, they offer instant deposit up to {$1000.00} on their platform, I deposited {$990.00} and made a trade back to XX/XX/XXXX, after that I have been waiting to get my account verified from Gemini, during the wait, I have no access to my funds my coins my money. Since XX/XX/XXXX, Ive tried every way to get a hold on them including tons of emails, leave messages on their tweeter account, so far I have got 0 reply, nothing from them. And then I go through all their comments on Gemini tweeter account, I realize not only me having this problem, there are a lot of customers experiencing their funds locked by Gemini as well. Please help!!!!!!!
Consumer complaint received 2024-08-28
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)

I requested back in XXXX for XXXX & Experian to remove inaccurate information from my credit report. The account in question is XXXX XXXX  account # XXXX truncated on my credit report is a reporting violation. XXXX XXXX Experian is reporting the last date of last activity inaccurately. XXXX is reporting the date of last activity as XX/XX/XXXX, whereas Experian is reporting the date of last activity as XX/XX/XXXX. These inconsistencies can constitute re-aging accounts.
Consumer complaint received 2024-09-02
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. (GA)

I recently reviewed my credit report and noticed that I have an account that is the result of fraudulent activity. This account is not related to any transactions authorized by me : XXXX XXXX XXXX ( Account number XXXX ) in the amount of {$310.00}. Please delete this fraudulent account from my credit report as it is hurting my ability to obtain credit.
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

Chase Freedom Credit Card offers protection in the event that a trip is interrupted due to an emergency when you use their card to travel according to the " Guide of Benefits XXXX ''. 
I have purchased airline tickets for me and my family with the Chase Freedom credit card and due to a medical emergency, I was forced to cancel the trip. After submitting all the required documentation to the " eclaim '' department, the claim was denied wit no enough explanation. 
Claim number XXXX.
Consumer complaint received 2024-08-27
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: PNC Bank N.A. (FL)

Requested mortgage assistance for my mortgage several times because I have been XXXX for several years. Was forced to file bankruptcy a few months ago to stop the foreclosure sale. Submitted request XXXX for mortgage assistance with my financials to bring my mortgage current. I am XXXX XXXX  XXXX from a XXXX  injury. This bank refuses to assist me with mortgage modification to bring my mortgage current. I feel I am being discriminated against because I am a XXXX and XXXX. My conversations with customer service at the bank have implied I don't understand why the bank will not provide mortgage assistance for your mortgage. The bank assists other homeowners who have mortgages with the bank.
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT ON MY CREDIT REPORT Account name- LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX 
Account numberXXXX  Date opened-XXXX  XXXX, XXXX Account type-Debt Buyer Status-Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated-XXXX  XXXX Balance- {$430.00} Balance updated-XXXX  XXXX, XXXX Original balance- {$430.00} Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXXXXXX XXXX, SC XXXX Phone number- XXXX XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL AND DELETION 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2023-04-16
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: Synovus Bank (CA)

See previous complaint with CFPB XXXX My credit rating has dropped nearly 60 points due to erroneous or malicious errors on my credit profile. I had a complaint with First Progress Credit card, Who indicated they would have XXXX correct a significant drop in my credit score. As of today my score is XXXX as opposed to XXXX. XXXX must make this right immediately. My financial life has gone down hill due to this erroneous reporting. 

XXXX