davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On, XX/XX/XXXX I filed an online credit dispute with Transunion. The status of the dispute was in review on XX/XX/XXXX. The investigation was completed on XX/XX/XXXX. The completion of the dispute exceeds the 30 day time limit thus the items should be removed from my credit report. On XX/XX/XXXX, I send another request to TransUnion requesting the remove of the credit item based on the failure to complete an investigation in 30 days and that this a violation of the FCRA. They received my request on XX/XX/XXXX and on XX/XX/XXXX I received a letter and copy of my credit report showing there has been no changes. I am seeking assistance with this matter and any/all legal recourse against the reporting agency and creditor. 

Fille Number XXXX Credit Reporting Agency : TransUnion Creditor : Dept of EDXXXX
Consumer complaint received 2024-04-24
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. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-24
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. (CA)

I am rewriting to formally refile a complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/year>, EXPERIAN has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Review credit reports and found a discrepancy of a store credit never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This conns credit was never used or ever been applied for by the complaintant. This credit is demanded to remove from credit file.

Does not reflect the entire account number!
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, 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)

According to 15 U.S. Code 1681Congressional purposes, it is the purpose of the subchapter to require that consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer credit, personal insurance, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter. 
There exist an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts, congressional purposes, and reasonable procedures prove that I have received a delivery of goods come to my home and search for the goods they say I received in possession of the goods or come and see my computer or tap into my bank account so you can see what these alleged possessions are as an a requirement under 15 US code 1681c-2 ( c ) ( 1 ) ( C ). please prove this hearsay is not admissible. This is according to federal rules or procedure and evidence. Therefore, these accounts must be removed. You can not lawfully prove that I received any delivery of good services in money. These accounts are not related to transactions by meet the consumer, therefore as a result of this identity theft, these transactions must be removed and blocked.
Consumer complaint received 2024-05-16
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. (TX)

I found a number of personal information mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with the FTC Regulation and refuse to fix this issues, this is a clear violation of my rights.
Consumer complaint received 2023-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (NC)

On XX/XX/2023, I had paid the XXXX balance in full on the account and received an email from the debt collector true accord that the payments were paid. Yet, I show on all three of my credit reports that there is an outstanding debt with this collection agency and that there is no up to date reporting reflecting paid.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

Dear Sir/Madam, I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, I request validation of the debt you are attempting to collect. 

The account details are as follows : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX High Balance : {$0.00} Last Verified : Not specified Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Closed Date : Not specified Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : All Banks Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Unpaid balance reported as a loss by the credit grantor. 
Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$4000.00} It is imperative that you provide validation of this debt as per my rights under the FDCPA and FCRA. Specifically, I request the following documentation : Verification of the debt, including the original creditor 's name and address. 
Proof of your authorization to collect this debt. 
Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be advised that the reporting of unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as mandated by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate your timely response.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Tried opening a business account with First Republic Bank SIX MONTHS OF NO CLARITY... I tried to create a business account for a non-profit that I am XXXX  of. That was in XX/XX/XXXX  when all the documents required were sent. The account hasnt been opened till XX/XX/XXXX  and no clear reasoning. I have not gotten clear reasoning and answers for many questions. Since then we went to another bank and got an account opened. 

My asks - only two -- NO RESPONSE ( 1 ) Clear explanation of why account could not be opened - written please, ( 2 ) Clear proof that all the records, documents I submitted have been destroyed and deleted from your systems
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to submit a formal complaint to bring your attention to an unresolved issue regarding my consumer report dispute. I have previously submitted a dispute with Transunion concerning inaccurate information on my credit report, as mandated by the Fair Credit Reporting Act. In response to my dispute, Transunion has refused to investigate the matter, asserting that they do not believe the dispute originated from me. This claim is despite my submission of clear and thorough verification of my identity along with supporting documentation that unequivocally supports my dispute. I believe that this action by the credit reporting agency constitutes a stalling tactic and is in direct violation of the Fair Credit Reporting Act. As a result, I am facing significant difficulties and challenges related to my financial and credit standing due to the presence of this inaccurate information on my credit report.
Consumer complaint received 2024-04-24
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)

This is not a dispute. I previously disputed this XXXX XXXX  account with Experian numerous times. I have repeatedly been told irrelevant things in the investigation results like " We've determined this is your account. We have updated the account. We have changed the remark codes. This is a charge off. '' When I've called Experian and spoken to representatives, I'm told well we just transmitted electronic information to the creditor. I'm also told it's not up to Experian to remove an account that's up to the creditor. I'm telling you that at this point it's going to have to be up to Experian to remove it and block any future reporting by XXXX XXXX  related to my Experian credit report because it is required by law to not allow fraudulent reporting by creditors. I previously provided a copy of the cease and desist letter to Experian and I believe it's merely being treated as a dispute instead of being sent to the correct department. The creditor has also received a copy of this cease-and-desist letter. At this time, I have filed an FDIC complaint against this creditor. They have fraudulently reported this account over and over and Experian has allowed them. I'm now done. Please find attached to the cease and assist letter proof that the account was placed for collection and has been reported fraudulently as well as proof of the FDIC complaint. Please note I chose to redact the name of the individual at the collection agency that supplied me with the information out of concern for them, possibly losing their job.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (TX)

This report is in reference to two reports, 1 report # XXXX filed on XX/XX/XXXX then additional report # 2, report # XXXX against Experian credit reporting with add information. I just received an email from Experian, dated XX/XX/XXXX that there response to the above two complaints, both really one, as to the falsely, inaccurate, and incorrect reporting they are reporting on my Experian credit report as a creditor, XXXX XXXX XXXX, that was discharged in XXXX bankruptcy, Experian is refusing to, not only report correctly, but actually continues to report this creditor as, account charged off, written off, AND NOW past due as of XX/XX/XXXX!!! Again, this account, XXXX XXXX XXXX that suddenly appeared on my Experian account as noted above in XX/XX/XXXX but never before this month, and was included with other creditors in bankruptcy filing in XXXX is outrageous. Out of the creditors in XXXX included in my bankruptcy, Experian chooses to pick XXXX XXXX as somehow being charged off, written off and PAST DUE as of XX/XX/XXXX in their response is illegal, false reporting and misleading information on a credit reporting agency site. This creditor, XXXX XXXX should be, legally, shown in bankruptcy records, and reported as included in bankruptcy of XXXX, WITH ALL THE OTHER CREDITORS INCLUDED IN THAT BANKRUPTCY FILE!! This false, misleading and now, illegal, I believe, and unethical practice of reporting this creditor, XXXX XXXX as past due as of XX/XX/XXXX is completely UNTRUE. Just check bankruptcy! Experian is deliberately refusing to report accurately, correctly as to this discharged creditor in bankruptcy but chooses to report it as past due is hurting my fico score by XXXX points for false, misleading information to this creditor. Im asking this government agency to file a formal complaint against Experian at this time. Nothing other then immediately removing this creditor, XXXX XXXX from my Experian credit report, reporting it as included in bankruptcy and Not past due will be accepted.. Ive already informed Experian of filing a civil complaint in small claims court by the attorney of record for the bankruptcy filing if not addressed. Apparently, Experian and incompetent representatives are now deliberately ignoring, and falsely reporting this information about my credit using there agencies resources as to public or American citizens credit reporting. This is abuse of authority and unethical conduct from a credit reporting agency that is overseen by the federal government. Im now asking the federal government to step in and stop this nonsense. Im starting to believe Im being racially targeted and discriminated against at this point. 

XXXX XXXX
Consumer complaint received 2024-04-24
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)

I am contacting you to request the removal of certain information from my file. The items needing deletion are outlined in the attached report. I am a victim of identity theft and did not authorize these charges. Correcting my credit report is crucial for me to proceed with purchasing a home. I have reported the identity theft to the Federal Trade Commission and have enclosed copies of their Identity Theft Affidavit for your reference. I kindly ask for your prompt attention to this matter and the removal of the items as soon as possible. Thank you. ''
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I've an account with Coinbase and have bought Cryptos twice. 

On XX/XX/2023 XXXX XXXX, I bought ETH crypto to send it to my wallet on another site that holds my wallet. To do that, I wired money the same day morning from my bank to Coinbase and bought ETH. 
When I was buying ETH, I wasn't warned that I'm retrsicted to send. Once I bought crypto, when I tried sending to my wallet by clicking on 'Send ', Coinbase showed me " Account Restricted You are currently unable to send crypto on Coinbase. Please visit https : //support.coinbase.com for assistance. '' And the restriction is until 60 days. Coinbase knew that sending will not be possible and didn't warn me when I was buying ETH crypto. 

I've called the support and the support keeps telling me that they have escalated to the related team but doesn't give me the exact 'restriction ' reason. I'm a normal person who buys crypto 's and was trying to store to my wallet.

I've asked Support several calls asking what's this restriction about and the reason for this restriction- they don't say anything but repeat the answer that someone will get back by email - I've waited enough and hence this complaint.

This is a scam- they knew that they can not send and they didn't warn me - This is not good business.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MO)

Checking account was opened on XX/XX/XXXX with a promotional code that I confirmed was attached to the account. 

The terms are laid out here https : XXXX The requirement of {$1000.00} in enhanced direct deposits was completed XX/XX/XXXX. 
The requirement of {$1000.00} in debit card purchased as completed on XX/XX/XXXX. 

The terms state XXXX XXXX  miles will be deposited within 30 days of completing the requirements, which would have been XX/XX/XXXX. It is now XX/XX/XXXX and the miles have not posted.
Consumer complaint received 2024-04-24
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 looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the credit reporting act : when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to.These accounts 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 ] are not complete and accurate. 

open date is not reporting correctly, date lasts active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

A transaction was made using my debit card at a XXXX XXXX in the amount of {$56.00}, on XX/XX/year> I reached out to chime and they canceled my card to issue me a new one and I submitted a claim. The next day XX/XX/year> my claim was denied with an email from chime saying they will send the reason for denial via email within XXXX business days, the first one only showed the intake form of me filing the claim and the second email was the same thing! It has been a week and the emails NEVER stated the reason for my claim being denied. Chime support is ignoring my emails and when I call on the phone they keep telling me the same things and im tired of explaining myself. I had money taken from my account and my claim is denied?? Not only that I had to wait for a whole new card and was late on my rent!
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/year> is the last request made for this account to verify the amount that they are attempting to collect. This has been disputed with the credit bureaus as well as the 3rd party collection company.

The credit limit is {$300.00} the balance shows {$220.00} however the collectors are sending a request for XXXX