davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

Basically there was an unauthorized transaction with the company named XXXX. The transaction was on XXXX and Chime was informed of this issue and I even tried to get ahold of XXXX  over the phone for the amount of XXXX. Originally Chime issued the credit investigation stage and then they reversed with no proof of evidence or anything to support their decision. I even sent proof of me trying to get in contact with XXXX  and no answer back from them. This transaction isn't valid and fraud and the fdic should protect us from these type of transactions without real answers or support.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-07-12
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)

My account withDEPT EDXXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION (FL)

Fulton Bank XXXX XXXX XXXX XXXX, PA XXXX refuses to accept a properly executed Power of Attorney ( POA ). My Pennsylvania attorney reviewed this POA and stated that this document is properly executed. 
My sister appointed me as the Agent for Principal. 
The XXXX XXXX XXXX  XXXX, XXXX XXXX and Fulton Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, PA XXXX, have both refused to honor this Power of Attorney and give an explanation. 

My sister is presently not ambulatory and receiving in-home Hospice care. 
Since I live in Florida, I made a 3-way call with my sister, XXXX XXXX XXXX and the head teller, XXXX XXXX XXXX XX/XX/year>2024 who works at the XXXX XXXX XXXX of the Fulton Bank XXXX XXXX mailed me XXXX 's bank statement for this period XXXX/24XXXX/24. 

My sister, XXXX, named certain charities and beneficiaries to receive proceeds from her accounts during the remainder of her limited life. 

I have made repeated attempts including phone calls, mail and emails to request that the bank accept this POA and proceed with allowing me to execute my sister 's wishes. My Pennsylvania attorney also called and emailed XXXX XXXX XXXX, XXXX. Fulton Bank requesting an explanation as to why Fulton Bank is not honoring this POA. XXXX XXXX refused to give an explanation to my attorney as to the reason for their refusal to honor this POA. 

Fulton Bank is in possession of the properly executed original POA.
Consumer complaint received 2024-08-14
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balanced {$15000.00}
Consumer complaint received 2024-07-12
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. (KS)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX  XXXX HAS VIOLATED MY RIGHTS. 
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
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I am writing to formally lodge a complaint against PayPal regarding a series of fraudulent charges on my account and the subsequent lack of resolution, despite my repeated attempts to resolve the issue through their customer service. 

On XX/XX/XXXX, I noticed a fraudulent charge on my PayPal account and immediately opened a claim to dispute the transaction. However, on XX/XX/XXXX, the payment was still deducted from my account. To make matters worse, on XX/XX/XXXX, PayPal attempted to withdraw the funds again, which my bank fortunately blocked, but this action caused my PayPal account to go into the negative. 

Over the course of several days, I contacted PayPal customer service and spoke with XXXX different representatives. Each one assured me that the money had not been deducted from my account, despite clear evidence to the contrary. Finally, I reached a representative who understood the situation and documented the issue in my account notes to help future representatives handle the matter correctly. 

However, on XX/XX/XXXX, I contacted PayPal again and spoke with a representative named XXXX, badge number XXXX. She refused to acknowledge the previous communications in my account or confirm her identity via email as I requested. Despite seeing the bank deductions and the previous messages from a PayPal XXXX confirming the double charge, she insisted that my concerns were unfounded and refused to escalate my case to a higher authority. 

As of today, my account has been charged twice with absolutely no resolution or assistance from PayPal. I have never experienced such poor customer service and feel that I have been blatantly robbed despite following all necessary steps to stop these fraudulent charges. 

I am seeking the immediate resolution of this issue, including the refund of the duplicate charge and an investigation into the handling of my case by XXXX customer service team. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (NC)

Drivetime/XXXX  and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Drivetime/XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( Drivetime/XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By Drivetime/XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and XXXX continue to report this on my credit report. I have reached out to DrivetimeXXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response.
Consumer complaint received 2024-07-04
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)

I am writing to dispute the representation of three accounts from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these accounts infringe on my privacy rights as stated under 15 U.S.C 1681 Section 602 A. Furthermore, in accordance with 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency should not furnish an account without my explicit written instruction, which has not been provided in this case. I urge you to conduct a comprehensive investigation into these accounts. If inaccuracies are found, I request their immediate correction or removal from my credit report. Please contact me for any additional information needed. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-14
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 EQUIFAX MTG 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 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 2023-07-03
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (PA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$41.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$2100.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-02
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (FL)

On XX/XX/year>, I was sent a digital Vanilla Gift Card worth {$300.00} via e-mail from a company as compensation for an internship. When trying to use the gift card to make a purchase, it would not work. After checking the balance and status of the gift card, it said it was locked. 
Afterwards, on XX/XX/year>, I called the customer service line and opened up a case, asking for either a refund of the amount on the card or a replacement card. I was told that the card was locked due to fraudulent activity, but when I checked the card 's balance, there was no transaction history on the card. I was then told to wait 30 business days to hear back about a resolution to the case. 
During this time, I tracked the case on their website and saw no progress, so I called multiple times to ask for an update on the case, only to be told to wait the full 30 business days. 
Finally, on XX/XX/year> -- the expected day for resolution -- I tried to check the status of my case, only to be repeatedly shown a System Error and me no longer being able to check my case. Upon calling the customer service line, I was told to wait 1 more business day for processing. So, today on XX/XX/year>, I once again called the customer service line to check the status of my case, only to be told that they would need to contact a supervisor and escalate the case. I was then told to wait another 2 days before calling again. 
At this point, I am no longer able to check the card balance and the case status on the website and am repeatedly shown system errors. I have tried multiple devices and browsers, trying to get the Vanilla Gift Card website to work, much to my dismay.
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (MI)

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 2019-07-01
Product: Credit reporting, credit repair services, 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. (NV)

I noticed that I had an inquiry from this company on my credit report. I contacted the company and they couldn't not provide any information via phone, so I dated a letter to Transunion requesting the inquiry be removed or validation be provided. I received a letter from XXXX XXXX dated XX/XX/XXXX stating that they has validated the inquiry but DID NOT provide a contract, application nor a signature giving them ANY authorization to do a hard a inquiry on my credit on XX/XX/XXXX. I called XXXX XXXX  on XX/XX/XXXX and spoke with a representative " XXXX '' Employee ID XXXX and she confirmed that the inquiry was inaccurate and would be removed and I would receive a letter within 5-7 business days as they COULD NOT find an account, file not contact that I signed for credit and the inquiry would be removed within 30 days. 

That has yet to happen. On XX/XX/XXXX I sent a SECOND request to TransUnion and XXXX XXXX. I received yet another response from XXXX XXXX stating that I had applied for credit but they had failed to provide proof of such information. There wasn't a response from TransUnion.