davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (TX)

A series of fraudulent transactions were identified and reported in my checking account with XXXX, unauthorized AmEx XXXX, XXXX transactions XXXX totaling {$2100.00} were denied for reimbursement, beyond the " XXXX Reg E time limitation ''. Another XXXX unauthorized transactions totaling {$3800.00} which were reported within the XXXX limit were reimbursed. 

Of the denied transactions, I requested the ACH details, I have the ACH transaction trace number and requested AmericanExpress locate the transactions. American Express did not find record of the payments in my AmEx account ( not a surprise, they were fraudulent ). I asked to locate by trace number instead and they claim they are unable to locate transactions that way, only by account number and continue to redirect me back to work with the debit institution ( XXXX ), who keeps refusing as its beyond the XXXX XXXX time limitation. 

Clearly money was removed from my XXXX checking account, it apparently was routed to AmEx, we have the unique trace number, AmEx should be able to find the account and owner where the funds were deposited, but I am unable to get XXXX nor AmEx to actually trace where the money went so we can initiate recovery. Incredibly frustrating that we have the unique identifier to trace the questionable transaction yet both banks are refusing to engage, claiming a regulatory exemption.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (AR)

I have called both XXXX XXXX XXXX and Hunter Warfield multiple times in the last XXXX months. Hunter Warfield said on the phone that I could email my police report for identity theft to them, and then they would file this debt as fraud. I emailed them the XXXX, Georgia police report number and police department online records address on XX/XX/XXXX. They never replied back. I recently received a letter they called " verification of the debt ''. In the letter my social security number, name, and birthdate were stolen and used on the account, but ALL the other information the thief used is not related to me, including the thief 's ID ( from New Jersey, mine is not ). There is even a signature that is just a line ( no letters ), and obviously not mine. I have a distinct signature. Hunter Warfield threatened today, on the phone, that they would try to put it back on my credit report ( which I already had it removed from once ) even though they are aware this is identity theft. The debt is for {$330.00} an application fee for the apartments at XXXX XXXX XXXX. XXXX XXXX XXXX did not rent the apartment to the thief because they could not prove their identity to them ( social security card ).
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion emotional stress me out and for storing, sharing a furnishing Collection account they deleted and put back on with out following the law It is my understanding that under the FCRA, you should have notified me about this first in writing in 5 business days.. Transunion willfully and intentionally continue to share, furnish inaccurate information an never showed me proof that. This cause me to lose employment opportunities. Transunion neglected to do their graves responsibilities and a reporting agency making sure consent was given witch is an invasion of my privacy.
Consumer complaint received 2024-06-17
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want the negative items deleted from my credit reports effective immediately : A. Hard inquiries : XXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXXXXXX XXXX  I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing XXXX 

Please help me delete these illegal accounts from my credit reports. Equifax deleted these inquiries on XX/XX/XXXX BUT ADDED EVERYTHING BACK XX/XX/XXXX. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 
Thank you very much for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2018-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I am on an income-driven repayment plan. My payment should be {$0.00} due to low earnings. Many times, over the phone, I have been told that I need to make one final payment and then my payment is {$0.00}. 

On XX/XX/XXXX at XXXX I spoke with a Nelnet representative and was told one last payment and then my payment goes to {$0.00}. 
I got the same response when I called on -XX/XX/XXXX at XXXX - spoke to agent XXXX XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at  XXXX and XX/XX/XXXX at XXXX - spoke to XXXX ( who stated they have no ID number to distinguish themselves ) . 

Per conversation on XX/XX/XXXX, I was told to sign and upload a income driven repayment plan. I did. This person was a supervisor and said that I do not have to pay my payment of {$60.00} due on XX/XX/XXXX. Per the conversation with XXXX on XX/XX/XXXX, he contradicted this information. He in fact told me that the PDF that I sent of my income plan was blurry. Bologna. I looked at the PDF and the quality of it is outstanding. If the document is blurry, they need to change their toner. 

I have paid the amounts they asked me to pay but they keep saying I have to pay and then it goes to XXXX, pay and then it goes to XXXX. This establishes a pattern. By XXXX saying the copy they received of my income driven plan is blurry when it is clear, suggests benign dishonesty. Altogether, this shows the company is shifty-eyed, preying on the weakness of the individual against a politically powerful corporation that doesn't bat an eye when they squeeze and squeeze because they know they can get away with it. 

I want to hold them to their word. I do not have to pay this month 's payment because I have complied and they respond with a byzantine shrug.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Consumer complaint received 2024-06-17
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. (TN)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

My personal bank is XXXX XXXX, I have been paying SELF for 2 years and my contract endds this XX/XX/2023 my last payment is XX/XX/2023- i have NEVER ever missed a single paymnt and my payments have always been on auto pay. In XXXX, my personal bank, XXXX XXXX  had a ACH problem, they could not process withdrawals, charges or deposits and the problem stille exists on my checking accounts but it is not just my accounts it is BANK WIDE meaning nation wide. There is nothing I DID WRONG. when self sent payment thru it was normal, and i was in hospital with XXXX  where i have no internet and no acess to phone as i was sick fighting for my life, needless to say t he bank was having this issue and the payment was sent back XXXX  when there was nothing wrong with my personal accountit was a a bank system issue, i called self and told them that and they told me they will not help me the paymentwas made on timme as i do every month i provided hte screen shot proving the issue and they still would not help me i asked for supervisor and they refused me supervisormy credit has NO BAD ACCOUNTS I HAVE VERY GOOD CREDIT and now its bad credit because self screwed up and wont fix this you cant punish me for a banks error and you cant punish me for not knowingyou were sending emails when i was in XXXX XXXX XXXX during a state of emergency in XXXX with XXXX in XXXX. I demand the negative report removed and immediately resolved as I paid it soon as i saw the issue when i came home and made sure to make good on it i demand this adjusted as it was NOT MY ERROR NOR FAULT. i will sue and go to social media and attorney generals office if not, as you can not punish a customer for a banking facilities issues, nor punish me for being almost dead and nothavin internet.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a complaint XXXX for an unauthorized charge for {$910.00}, on XXXX I received a credit to my account while the claim was researched. On XXXX, I received a letter in my online portal that I did not see until XXXX saying the credit would be taken back on XXXX. On XXXX I called to see if they could split into two or take it out later. After being transferred multiple times I reached a rep who stated they would put in a request to push it back two months. The next day I saw the credit come out and called. i spoke two a supervisor XXXX from texas who stated they would put the credit back in 48 hrs so i could pay my rent. he stated he would call me later that night and never did. i called the next day to speak to him but he was not in. since this was a friday i could not call again until monday XXXX, and spoke to XXXX from arkansas. XXXX stated that everything i was told was not true and could not be done. and basically tough luck on paying my rent
Consumer complaint received 2023-12-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MO)

Chime lies about referral bonus credit. 

I can not believe that a business that claims to be customer centric who wants more customers to use it's app and business, repeatedly lies about referral bonus Especially even after confirming referall bonus eligibility. 

Chime offered referral bonus XXXX $ to me when i opened my account. 
I referred my family member. 
My family member opened that account using my link and successfully created a chime account and made her first Direct deposit in XXXXXXXX 

For reference my family member email id is XXXX Her name is XXXX XXXX XXXX. 


She received her referal bonus of XXXX $ without issues. But when i did not receive my XXXX $ referral bonus i contacted Chime customer service and more than once i was told that they have confirmed my eligibility that they have manually applied XXXX $ credit to my account and that i should see it reflected in my account in 3 to 4 business days and then wheh it did not credit in that time, another agent reconfirmed my eligibility and said it will credit to my account in 7 to 10 business days. 

And yet again when that did not happen, i was told that its techinal error that they can not do anything about it. 

I can not believe how deceptive this company is. How can customers trust and continue to do business with a company that does not honor its words and trains it's customer service agents to lie to customers? And not offer any meaningful help? 

Im disappointed in their click and bait approach. 

I have attached screenshots of my correspondence and proof of my referrla link, and I am reporting to XXXX and CFPB of Chime 's dishonest practices, so this is recorded for use by these organizations.
Consumer complaint received 2024-06-17
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. (SC)

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 2024-05-15
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: Experian Information Solutions Inc. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (MD)

I purchased a Vanilla Visa Gift Card from a merchant ( XXXX XXXX ) and put {$330.00} on the card through the merchant. The card was to be used to pay a critical utility bill. 

When the card was opened, there was no Security Code on the back. The box was blank. Called the Vanilla Gift Card number and they put a hold on the card and told me it could up to 30 days for a new one or refund. I sent all of my card pictures, personal ID and receipt to the email : XXXX. I am concerned I am out of my money. 

I am not able to get any resolution to getting my {$330.00} back. It was used to pay a critical bill but because it was deemed as a fraudulent card, I have not been able to get my {$330.00} back. 

Please help me get my funds back. Thank you.
Consumer complaint received 2024-08-19
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (MI)

I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX XXXX the check with JP Morgan Chase Bank for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called XXXX and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. Chase claimed to be able to Verify with XXXX XXXX  but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE VHEICLE becaus XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with chase and it had been verified but its CHASE end who is not releasing & holding the funds
Consumer complaint received 2023-08-26
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. (FL)

Subject : Complaint against Transunion Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.