davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to demand the immediate removal of fraudulent accounts from my credit report. Despite multiple escalations, the persistence of these fraudulent entries is causing significant distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (PA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/year> These inquiries were place on my account. These are not my accounts. I have know ties to these accounts I've mentioned below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
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. (CA)

I am writing to follow up regarding the ongoing frustration with the presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they persist on my credit report. This situation not only undermines my financial credibility but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to appear on my credit report despite numerous requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. Please help me remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MI)

I opened a chime account. My husband, whom I had just separated from, sent my {$800.00} for half of my rent. 
As soon as that was sent to my account, Chime suddenly closed my account. 

They said I woild receive my money via check in the mail within 30 days. It has been 60.

On a phone call with Chime, I said, " I'll probably never see that money again. '' Guy on the phone said, " yep that why yoir account was closed. '' It has been abaout two months and I still do not have my {$800.00} check.

I also do not have documents to attach because they no longer provide support through email.
Consumer complaint received 2024-04-23
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. (NC)

This is my third 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ND)

I have reached out to the company using various means. I have a XXXX XXXX and XXXX issues which directly relate to using the phone. I have stated multiple times that I prefer to use email. Mr. Cooper refuses to use email. Their Assigned Agents are Not Allowed to use email for Privacy Reasons. Yet their Refinance Agents are allowed. They have a SecureMail Server, yet they refuse to use it. I sent email to the Accesabilty and ResearchIncoming emails in an attempt to address these issues, but there was no response. All responses to any complaint have stated that " No error has occurred ''. I have a response for Hearing and Visually Impaired. Not for Speech Impaired. Which have stated that I should CALL them.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I hope this email finds you well. I am writing to follow up on my previous communication regarding the correction of a late open account. This marks the 2nd formal attempt to address this matter.

As discussed previously, there appears to be an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

I kindly request that you revisit this issue and take the appropriate steps to rectify the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$8300.00}.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I hope this message finds you well. I am writing to follow up on my previous communication regarding the removal of charge-off accounts from my credit report. This marks the XXXX formal attempt to address this matter. 

Despite my initial request and subsequent efforts, the charge-off accounts remain unresolved, adversely impacting my creditworthiness and financial standing. It is imperative that these accounts are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the charge-off accounts have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
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: TD BANK US HOLDING COMPANY (CA)

I had made payments on the payment due date, and they still report to credit bearers that the account was 3 months late.. I talked to a target supervisor and they agreed with me that the fees and late status was wrong...
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, 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 an account without my written instructions. 
This account a fraudulent account, I don't owe this company.
Consumer complaint received 2024-06-27
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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 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 XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION ()

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681section 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 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom it may concern : I got an alert from my credit report service ( XXXX ) that Bank of America took a hard inquiry against me on XX/XX/XXXX ( Credit report # XXXX ). I have never authorized Bank of America to check my credit and I don't do banking with Bank of America. I had a security concern that someone else is using my identity with Bank of America. I had the same issue back to XX/XX/XXXX that was a fraudulent transaction with Bank of America as well ( CFPB complaint ID XXXX ) and I placed fraud alert under my name with credit bureaus. I called Bank of America on XX/XX/XXXX and spoke to customer service regards to the fraud that I was concerning. I was told there was a credit card application was summitted under my name. I have confirmed with BOA fraud department that I didn't authorize the transaction and that must be a fraud. I have requested to cancel the unauthorized transaction and remove the hard inquiries from my credit report. I was given a case # XXXX and asked to call back to follow up with the progress. I received a missed call from BOA ( XXXX ) today when I was in the meeting at work. I called back to reach out to BOA and tried to follow up with the previous case progress. I was keep being transferred to different departments and repeat my personal information and the whole story over and over again and stayed on the phone for about 2 hours. Finally I spoke to the fourth person and was told the credit card application was still open. I was told the credit card application will be closed. I reported fraudulent transaction on XX/XX/XXXX. But when I called to follow up today, they didn't find record of my XX/XX/XXXX report. I have emailed to XXXX as well and didn't receive any response so far. I strongly request Bank of America to cancel all the fraudulent transactions under my name and remove the hard inquiry from my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (CT)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Following up my latest complaint with CapitalOne which ended in receiving my money at a date over 30 days behind the maturity of my 90 days instrument- Im encountered embarrassing times of denial of accepting my Quick Silver Card while shopping. 

By trying to find an explanation by calling CapitalOne, I got nothing. Also, I tried to apply for another card with the same entity, which I well qualified for after presenting the necessary requirements of which it was finally uploaded successfully, after CapitalOne chose not to accept it, and requested another upload several times. Finally, I got a notification that my application was accepted. But later, CO reneged and demanded re-uploading my documentation. This is a clear abuse and intimidation.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2024-04-23
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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting a agencies need to report all information with complete accuracy. This account was never late I have attached a copy of my complaint on the following ( XX/XX/2020 and XX/XX/2020 ). I am now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your prompt response
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2024-04-23
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. (OR)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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 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 2023-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I have unauthorized charges ( fraud ) committed randomly on my account from XXXX XXXXXXXX XXXX XXXXXXXX. These charges were from a XXXX XXXX in AZ and the number by the transactions is XXXX. I filed a claim with Chase Bank, they refunded the money for XXXX dollars at the end of XXXX, but then took it back out in XXXX stating on the report that it was me and not fraudulent. I then called back and had them reopen the claim because they did not have significant proof that it was me. They put the money back on the account on XXXX XX/XX/XXXX but then took it out again on XX/XX/XXXX stating that again it was me and the claim is closed. 
On XX/XX/XXXX I called the Chase fraud number and I spoke with a XXXX oversees outsourced call who stated I would have to go through XXXX to settle the dispute. I called XXXX that same day and they said they have no charges to my name or on account that have the credit card ending in my numbers, as stated on my atm and debit card withdrawals form from Chase. I then called back Chase to another outsourced number on XX/XX/XXXX and got a XXXX on the phone. She said I would need a letter from XXXX, I told them that that is their job to inquire and investigate the charges through XXXX because XXXX won't do that for me. I was on hold for 2 hours that day, she said she would come back on and tell me what my next steps were, and never came back on, I let the phone stay on hold while I went about my day. Finally it disconnected after 2 hours and no one got back to me. I've sent several emails asking them to please reopen the claim and they do not reply. 
After heartache and frustration, I finally went to the XXXX XXXX where my family does their banking on XXXX XXXX and asked for help. We spoke to XXXX an accounts manager and she tried to get the case reopened for us, speaking with some further ups. They reported that it was chip to chip purchases and that's why they think it is me and won't reopen it. I explained over and over again that I have my card, and I never used in in XXXX let alone in AZ and that someone must have gotten their hands on my account numbers or has remade a card or stolen my identity. XXXX ended up pulling up the back end information and recognized that the purchase were not chip to chip but keyed in. The bank then reccommended getting a police report for fraud and that could initiate a reopening of the claim. I got the police report and then sent it into them via my direct messages through chase bank online account. They replied, case closed again and I was unable to get anyone on the phone. I went back to XXXX at my local branch and she called the higher ups and said I had the police report, they said that it did not matter and that the claim is closed and there is no further action I can take. I am out XXXX dollars of MY money, and I do not know what to do or where to turn to get my money back. I have all of the documentation should you need.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2024 I filed a complaint with all 3 credit reporting agencies and only XXXX has removed the item in dispute that was being reported within my consumer credit file. XXXX and Experian have not responded in a timely manner nor have they removed the disputed fraudulent account from my consumer credit file from XXXX  XXXX XXXX XXXX # XXXX. It has been past 30 days on XX/XX/2024. Therefore this disputed information in complaint # XXXX should be immediately removed.