davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (ID)

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : 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 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 cima digital FKA simp XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
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. (MO)

This account was charged off on the following date XXXX. Since then the account has reportedly been updated as payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account rights. I am demanding a deletion of the following account. 
Account Name : XXXX Account NumberXXXX
Consumer complaint received 2024-05-18
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. (MI)

Transunion is reporting unverified unknown collection accounts to my credit profile and I have asked several times for the methods of verification but yet and still transunion continues to keep reporting these unverified fraudulent accounts to my credit report and listing them as verified with no explanation or verification or signed affidavits verifying that these accounts belong to me.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I am writing to file a complaint against Chase Auto regarding an issue with my account. Since XX/XX/2024, Chase has been contacting me, claiming that my account is past due, which is incorrect. I have consistently paid my note on time every month. However, when I recently attempted to pay my bill online, I found that my account was locked. 

Upon contacting Chase Auto, they have failed to provide accurate information about my account. This month, they charged me a late fee for the first time and informed me that if I did not pay the outstanding balance by the end of the month, my account would be considered delinquent. I have never made a late payment and strongly believe the {$3000.00} they claim I owe is due to an error. A representative mentioned that it might be a system glitch, yet no one has resolved the issue. 

I am reaching out to you for assistance because all my statements since XX/XX/2024 show a {$0.00} past due amount and confirm that my payments have been posted. I need your help to correct this error and prevent any further unwarranted actions on my account. The account summary provided by Chase Auto, does not even match the monthly statements sent.
Consumer complaint received 2024-08-31
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)

Recently reviewing my credit report, I noticed inaccurate and incorrect information. Since I have never been late in any payment since I always have automatic payments. XXXX  with account number XXXX. Incorrect and inaccurate information has been reported in the file. Which is affecting my credit and my ability to obtain credit in the banking sector.
Consumer complaint received 2024-06-11
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. (CO)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Consumer complaint received 2024-06-11
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. (DC)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-11
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-06-11
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


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

"
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$660.00}
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX  . Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: UNITED ONE RESOURCES, INC. (PA)

There is 2 Hard inquiries on my credit report that is not mine they are United One R XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

So on XX/XX/year> filed a dispute with chime for {$720.00} that was token out my account by fraud filed a claim canceled all cards order new ones withing 24hrs on XX/XX/year> claim was closed and denied when I received documentation on why it was denied all I got was the screen shot of the police report I sent and also screen shot of my cash app that said this wasnt me doing these withdrawals proved to XX/XX/XXXX Ive had to filed numerous rebuttles to this claim because it keeps getting denied finally find out its cause their were more transactions under this name so new rep filed a claim for all the other transactions because I was never informed of them and that was on XX/XX/XXXX woke up this morning XX/XX/XXXX to another email saying that claim was denied no reason as to why or such this company chime that operates under stride bank needs to be investigated for not properly investigation fraud claims Ive have retained an attorney and his is working to file a suite but in the mean time Im also filing a complaint here
Consumer complaint received 2024-06-13
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: SYNCHRONY FINANCIAL (TN)

Someone opened a synchrony bank credit card in my name... the account was closed and my credit score went down XXXX points ... they sent a letter saying the account was not opened by me, and they were clearing my responsibility... I see it was removed but my XXXX credit points are still missing I've called and called synchrony bank and they don't do anything for me pretty much told me stop calling I don't no where to go from this...
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC is furnishing an account on my credit report that has not been validated by the original creditor. I sent a complaint via XXXX  to XXXX XXXX XXXX XXXX, and they stated that they would mail me correspondence. The paperwork I received did not verify the balance that is being reported by this company, nor did they send me any contract bearing my signature and they did not name LVNV as the owner of this account. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. Due to your negligence, I have attached an invoice for the violations. Payment is to be remitted to the address on the invoice.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

I received a call from ( XXXX ) XXXX on XX/XX/scrub>XXXX XXXX XXXX. I went to check my credit on each credit bureaus ( XXXX and XXXX ) and noticed that a collections was reported to my credit report from a company called LVNV Funding, LLC. I sent a letter to this company requiring validation in writing of said debt and a response within 30 days. LVNV Funding, LLC haws not provided proof that this account is my through verification of my full, complete social security number, a copy of the original contract that bears the signature of the alleged debtor wherein agreed to pay the original creditor, a copy of any payment history of said owned account or proof of collection authorization, the obligation between the company LVNV Financial, LLC and me that allows them to collect on the alleged debt and my transactions that binds me to an agreement to pay the accused debt to this company that they claim I owe, letter of sales or assignments from the original creditor to the company and any proof of photo I.D . ( Driver 's license, State I.D . or other government identification ) presented at the time of this incurring debt. No response was received in writing or any other communication after the 30 days after I contacted the company to validate claims to collect debt at one of three mailing addresses listed as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. According to FDCPA Sec. 809 ( B ) a company is not allowed to pursue a collection activity until this debt is validated. I have asked LVNV Funding, LLC to remove this collection immediately from all Credit Reporting Bureaus if they failed to respond in writing within 30 days of the date of my letter.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had an ongoing problem with my XXXX debit card through Bank of America, I was a victim of identity theft and had all of my benefits stolen from my account. I had received my unemployment benefits and my balance was empty, but during the XXXX outbreak I had thousands stole from my account. I filled several claims and they were all denied, I had given up on the whole thing because of the constant denial of the claims. There was a claim for XXXX one for XXXX one for XXXX and one for XXXX. I had also had one for XXXX and XXXX, but no more than a day after filing the claims they were being denied, some of the correspondence stating that they had me on surveillance withdrawing from the ATM, but most of almost all transactions were transferred to an unknown XXXX XXXX account. I contacted the bank spoke with claims department, dispute resolution XXXX but all I got was there was no error or I must have gave another person authorization to get the money from my account. I was working in the XXXX area at that time and I was having trouble with my mail and receiving my important mail, I had to put a hold on my mail because it was being stolen. Apparently I had received notices from the bank about my account reevaluation of my claims and they were all in my favor. I explained that I was not getting the mail, I had my room broken into and my information was stolen. There was apparently several new cards ordered and sent to my residence but I never knew anything because I was only able to go home on the weekends and sometimes not even that. I almost never was home so it was impossible to get my mail or anything for that matter, I tried to get help with the bank account and I asked on several occasions if they could close the account and open a new one due to the account being compromised but i was told that they were not able to do that. I have gotten notice after notice denying the reimbursement of the stolen funds and I have been evicted from my apartment, lost my car because I was not able to make the payments and I would like to get my money back from the fraudulent activity. I have filed reports, complaints, grievance and even filed a report to the FDIC but I have not gotten any results. I would like to get this matter taken care of because since then I lost my job because I lost my car and I have not been able to get another job, I have a XXXX XXXX XXXX to provide for and I am having a hard time because I was forced to apply for public assistance, I am not able to have my own home or car to get around in. I have been forced to move back in with my mom as a result of the whole situation, I need to have the fraudulent activity fixed so that I can get my life back on track.
Consumer complaint received 2024-05-18
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. (NV)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I availed a 0 % APR CREDIT CARD, The promotion was eligible till XX/XX/XXXX and my payment due for every month is XXXX, Hence I paid minimum amount till ( XXXX Which is the due date for XX/XX/XXXX statement ) as agreed to XXXX XXXX XXXX In next statement ( I noticed a fee of {$85.00} on XX/XX/XXXX statement since I have not paid full payment which is not legitimate and somehow I missed to Check the complete statement. And I see another fee of {$48.00} charge in XX/XX/XXXX statements though I paid full amount, When I contacted customer service first time the person said we are submitting this charges for review and I will get refund since I paid all payments on time, two days passed and I got declined email, Then I contacted back to customer service and the lady was rude and she is not listening to my concern or request she keeps saying that I didnt paid the balance hence they have charged me the interest and the amount they have mentioned is completely irrelevant. Hence I am tiered of this banking scam and wanted to appeal for the justice on this amount. This is not a huge money but this the money I earned with lot of struggles and stress. Thank you!
Consumer complaint received 2024-05-18
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. (AR)

Despite our previous attempts, I regret to inform you that this issue still persists. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$400.00}.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (GA)

I would like to file a complaint against Calvary Port, XXXX XXXX XXXX XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024