davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I had charge on my Chime credit builder card from XXXX XXXX of {$300.00} I called because I dont have acct with them it was closed last year. So I filed a dispute with chime get my money back but at that time they said 60 days! Im like umm no thats insane Ill do it myself get this fixed. So contacted XXXX They said was glitch in system my card was still showing active so they refunded the funds on XX/XX/XXXX back to my card gave me transaction ID a ledger number and even mailed a letter to state funds were sent back to my card. I called Chime and let them know a week later they said they received nothing and I was like that cant be the case because I have all this documentation XXXX said they did everything on their part. Chime says we dont have anything we are showing nothing we need proof and I said OK well Im sending you all the proof. So they said email all prof ok Heres a copy of the letter here is a transaction ID cant you look it up youre a bank Well and then I find out they cant look it up because apparently theyre not an actual bank which Im learning this out now. So weeks go by and here I am still asking where my {$300.00} and they tell me theyre still investigating and I keep arguing the fact what are you investigating the funds were sent back in XXXX here we are XX/XX/XXXX and youre still claiming your investigating you have the proof you have everything so theyre refusing to give me my money back theyre telling me they have until XX/XX/XXXX and they have 30 days from the visa card to receive funds Ive explain to them its been 30 days you keep giving me XXXX reads from script and then they hang up on me. So then I said OK well let me cancel the dispute because theres nothing to dispute you have the funds and they dont even answer the question they go in circles.
Consumer complaint received 2024-05-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Solutions Inc (NE)

I went to XXXX XXXXXXXX XXXX  in XXXXXXXX XXXX XXXX  after speaking to XXXX XXXX by phone and being interested in learning more about health programs they offered. I filled out paperwork and included my insurance information then. XXXX advised my insurance would cover my visit, so, I proceeded to come in as scheduled. XXXX took XXXX XXXX and told me we could discuss further options once my XXXX XXXX came back. I later received a bill for {$840.00}. When I contacted the office on why I was receiving a bill, they stated my codes were billed incorrectly and they would try again. 1 month later I received another bill. When I called back, the representative stated my insurance plan does not cover XXXX, however, I was not being seeing for XXXX. XXXX advised I need to do a XXXX ( XXXX XXXX ) and after that, we could discuss health options. I never came in for " XXXX ''. I called and emailed XXXX billing department and asked for them to correctly bill under XXXX XXXX XXXX and they refused. I have an isurance plan that 100 percent covers my expense. I am not responsoble for XXXX XXXX inaccuratly billing my insurance for XXXX. AR Soluntions has now inaccuratly billed me for {$840.00} under account XXXX and {$920.00} under account number XXXX. I do not owe {$1700.00} to AR solutions or XXXX XXXXXXXX.
Consumer complaint received 2024-05-28
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry 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 XXXXXXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-28
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. (AL)

In account to the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2020-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

My homeowners insurance was due at the end of XXXX. Prior to that date, I switched companies which should save $ XXXX/yr. TMS paid both the old insurance and the new insurance. I received a refund from the old insurance and sent TMS {$1300.00} refund. I asked them to redo the escrow analysis at that time. 

They applied the {$1300.00} to suspense/escrow on XX/XX/XXXX. As of today, they have not completed a new escrow analysis. They expected to have it completed by XX/XX/XXXX. 

They have increased my payment to {$1900.00}, from {$1600.00}, and now say that amount will be due for XXXX also. 

It should not take 3 months to do a new escrow analysis. We have taken a hit with covid, but somehow we're managing. This is not helping!
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I forgot to include this attachment to the bureaus in the list of 5 mentioned in the prior complaints. Couldn't figure out how to attach them after the fact. Please make sure they all get this to the complaint filed about XXXX XXXX It's their inaccurate so called corrections that don't show on my reports that lenders run.
Consumer complaint received 2024-05-28
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATIONXXXX  # XXXX DEPT OF EDUCATION/NELN # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SECURITY FINANCE CORP (TX)

On XX/XX/XXXX, I put a loan payment XXXX check XXXX XXXX XXXX in the drop box ( at their location ). With the payment, as I always do, ( but never get ), I requested my balance, which should only have XXXX more payments remaining. Well I was mailed a receipt a few days later ( post stamped XXXX XX/XX/XXXX ). The receipt did not have my actual balance, but instead said I'd renewed my loan foXXXX XXXX XXXX-which I did not do. Plus, how am I able to renew a loan when I dropped in the night box ( which it states on the receipt under " Check in night '' payment method. Again, I did not renew any loan. 
Additionally, I always paid XXXX XXXX monthly payments, which is more than that what my minimum payment is. However, on this occasion, I paid {XXXX} because I knew it my payments were near the end. However, m they said the principal payment was {XXXX} and the {XXXX}. was late fees. Their fee payment structure is not computing. It's as if they're making amounts up as they go.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. These accounts inaccurately reflect the reporting. I'm entitled to {$1000.00} for each mistaken report in my credit file.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I try to login in to get information corrected and unable to login on. There is a bot that has a continuous loop that does not help. When you call XXXX, they constantly hang up and tell you to talk back to bot that takes you in an continuous loop. They close account without addressing the issues. It is a vicious cycle.
Consumer complaint received 2024-05-28
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-28
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 was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2024-05-28
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-28
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. (LA)

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 2023-09-14
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 have recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thanks in advance
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-05-28
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. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (CA)

I am a vicitm of identity theft. On XX/XX/XXXX NCC Business Services received my DEBT VALIDATION REQUEST. I respectfully requested them provide me with competent evidence that I have any legal obligation with them. At that time, I also informed that reporting invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), might constitute fraud under both federal and state laws. I did not receive any validation for that debt. 

There two accounts being reported as mine are the following : 1.  1. NCC BUSINESS SERVICES, acc # XXXX. Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 
2. NCC BUSINESS SERVICES, acc # XXXX Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. 

Please help me solve this issue, since they are commiting a Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2024-05-28
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. (DE)

i filed a complaint with the cfpb XXXX. Experian contacted me and said they updated my account however they did not update it correctly. Experian continues to violate my consumer rights by reporting false information. I uploaded my documents and requested they remove all XXXX accounts. Experian has only removed one as og XX/XX/2024 my consumer report is showing this false inaccurate information.
Consumer complaint received 2024-05-28
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. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-05-28
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. (TX)

I am reaching out again to highlight my serious concern to EXPERIAN about certain details in my credit profile which include these unverified and inaccurate information reported in my credit reports. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. I have attached as well my FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-05-28
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-28
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. (FL)

On or about XX/XX/2024, an Experian credit report ( Report XXXX XXXX ) was pulled. After reviewing my credit report, I noticed some discrepancies with an account from XXXX XXXX XXXX. 

On or about XX/XX/2024, I filed a dispute with Experian requesting written verification of the payment amount information listed on this account. 

On or about XX/XX/2024, Experian completed the dispute and sent a report ( Report Number XXXX ). However, they did not provide any information regarding how the disputed information was verified as valid. 

I was not given proper documentation showing how this information was furnished. The account was listed as sold and/or transferred, yet Experian informed me that the submitted information was correct without explaining how they validated information from an account that had been sold or transferred from the original company.
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (CA)

On XX/XX/2023 I call VW credit Inc to get a payoff and they advised to me that they can only give an about and not a per Diem even to the customer. Also wouldnt release a payoff in tell I gave the name and f the company that I was requesting it for even though I am the customer. And still the company. Refuses to give me a full pay off. Also refused to give me pay off instructions. I spoke with XXXX XXXX that refuses to give a payoff unless I gave dealer information. And then spoke with XXXX XXXX  XXXX that also refused to give me a payoff. Also advise I had to write in to file a complaint with this service of the company.