davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/2023, my Chime XXXX XXXX card was fraudulently charged twice in the amount of {$210.00} at the merchant " XXXX* ''. I have never authorized this merchant to charge my account, and the charges are both fraudulent and unauthorized. Upon learning of the transactions that same day, I immediately contacted Chime to cancel my debit card and issue a new one, as well as file a dispute ; I was initially told that I had to wait to file a dispute until after the transactions were no longer in pending status, which I did. After the transactions posted, I immediately contacted Chime to file a formal fraud dispute against the transactions, and expected a credit in the amount of {$430.00}. The following day, Chime notified me that they finished investigating my dispute and denied credit, stating that the transactions were authorized by me, which they were NOT. XXXX covers cardholders from unauthorized and fraudulent transactions, but Chime is choosing to simply deny the claim without truly investigating or issuing a chargeback. I am in dire need of the {$430.00} refund, and I am unable to pay my rent due to Chime 's negligence and failure to investigate. I submitted a rebuttal to Chime and never received a response. It is truly concerning that my money is not safe at Chime and Chime should be investigated by the government as I am told this happens to thousands of Chime members across the country.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (SC)

Hello! 

I recently got mail forwarded to my current address, and just noticed the collection letter. I can pay it, but I was not aware it had been sent as the address it went to is in another state than I currently reside in and is not frequently checked. I had received no other form of contact that was able to reach me in ample time, as my phone is currently out of service and needs to be replaced. ( The phone number is good, I just haven't yet got the replacement! ) Letter sent out : XX/XX/XXXXXXXX  Date I received it : XX/XX/XXXX Amount of debt owed : {$14.00} Date listed in letter of when to dispute by : XX/XX/XXXXXXXX  Debt collector : Credit Collection Services Thank you!
Consumer complaint received 2024-08-19
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. (NC)

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit report. XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENOVA INTERNATIONAL, INC. (AL)

I have contacted NetCredit numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my bankruptcy attorney and the bankruptcy trustee for assistance, with this account. However, NetCredit is REFUSING to correct and/or delete this account as promised. 

It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX ( case # XXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). NetCredit is saying the account wsa sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call NetCredit and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if NetCredit was the original creditor and the account was XXXX, I need to file the bankruptcy papers with NetCredit to have the debt updated and/or deleted from my credit reports. 

My attorney and the Bankruptcy XXXX have submitted paperwork to NetCredit and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized Inquiry Dispute with Credit Bureaus Dear CFPB, I am writing to inform you that I have sent letters to three credit bureaus regarding an unauthorized inquiry on my credit report. Unfortunately, I have not received any response or updates on this matter. I have sent letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> requesting that the unauthorized inquiry be removed from my credit report. I kindly request your assistance in resolving this issue and ensuring that the unauthorized inquiry is removed promptly. Your attention to this matter is greatly appreciated. Thank you for your prompt action on this matter.
Consumer complaint received 2024-08-19
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

I have been a Citibank customer for several months, and to my dismay, my account was recently closed without any prior notification. Despite my persistent attempts to obtain an update on my account, I have yet to receive any response, leaving me in a state of confusion and uncertainty. 

On XX/XX/2023, I contacted Citibank 's customer service department, and I was informed that I would receive a call within 24-48 hours regarding the status of my account. However, to date, no one has reached out to me. Subsequently, on XX/XX/2023, I followed up on my initial inquiry, and a representative informed me that they had opened a case as per my request and that I would receive a callback within two days. I have been assigned a case number XXXX, and the email for the Executive Response Unit is citieru@citi.com. 

I have made several attempts to request a check with my account balance, but these requests have been repeatedly denied. On XX/XX/2023, I received an email stating that my request was denied again to expedite the case. 

This situation is of grave concern as it could lead to severe consequences such as expulsion from school, loss of housing, and repossession of my vehicle. Therefore, I urgently require the assistance of a senior executive to address this matter.
Consumer complaint received 2024-03-02
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. (NC)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2024-03-02
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX XXXX : {$11000.00}
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: EQUIFAX, INC. (TX)

I have tried over and over and over again to work with the credit bureaus and they keep giving me the run around. It has been months and I send them a new letter every month and the incorrect personal information and account inaccuracies is still there. I am done!!!!!! I have had enough. No more waiting no more stalling remove it now. Your bad reporting is preventing me from getting me a new house and loans for my business. I watched XXXX and learned that your inaccurate reporting is a violation and am seeking litigation. I have attached a notarized document proving I am who I say I am because yall keep acting like its not me!!! Who else would be trying to deal with yall other than the person yall wrongly reportin on.
Consumer complaint received 2024-03-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

account name # XXXX XXXX account number # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

I initially called because I have been fraudulently charged interest rate fees by this bank. I have a XXXX balance and paid in full my credit card and they were still charging me for interest. I called and I asked to speak to a Manager several times and they said a Manager would call in 24-48 hours. It's been a month and no one has called. 
I called my bank for my account information and XXXX from Chase Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX and she never verified me and ran off my personal information when I called in last month. It is very disturbing that she ran off my banking account information which also included my credit card information without verifying who I was. I just gave her my name and she didn't verify my address or anything and provided my info. I asked her if she had the correct person and she said yes. What's concerning is that provided my credit card number and info without verifying me. 
I asked to speak to the Regional Manager and She provided her boss XXXX XXXX 's contact XXXX. He said he would call me back and it's been a month and he has never called back and I've left him 10 messages. 
I don't know if Chase Bank knows their employees do not call back and they provide personal information without verifying the customer. This has been a horrible and extremely unprofessional experience so I called back today XX/XX/23 and XXXX answered again and I told her that I need to speak to a Manager and she said XXXX 's the only person. I told her I've left numerous messages and he doesn't call back. When I told her that I am so upset and will finally file a complaint she said well I guess do what you want to do and she actually hang up on me. She also said XXXX 's been with the company for over 20 years so he's not going anywhere and she said so has she.
Consumer complaint received 2023-11-07
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. (PA)

I checked my credit report and found that some of the data were incorrect. The three 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 correction 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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. (GA)

XXXX XXXX reported an account that does not belong to me. I never heard of this account or had any dealing with XXXX XXXX. Ive asked XXXX XXXX to provide proof of ownership. Reporting this account to my credit file is a violation until the Fair Credit Reporting Act. No company should be allowed to report an account without providing proof of ownership. I would like to see a signed contract and agreement. Ive never did business with this company. I will be reporting to the Federal Trade Commissioner as well for investigation.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Upon inspection of my credit report, I noticed the following information is incorrect : My full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

My date of birth is reported incorrectly. 

My social security number is reported incorrectly. 

My current address is reported incorrectly - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

You have an employer listed. This is not my employer, please remove from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

PLEASE HELP ME CORRECT THESE ITEMS AND HAVE A PROPER INVESTIGATION ON THESE ACCOUNTS.

late payment inaccurate
XXXX  XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX  Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
late payment inaccurate

XXXX XXXX XXXX XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX
Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated
and promptly removed from my report. It is my understanding that you are required to verify these items with
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I applied for an apartment complex called XXXX XXXX XXXX back in XX/XX/2023. I used my debit card to pay my application fee and security deposit {$1500.00} online. After I applied online the property manager XXXX XXXX advised me that my security deposit would need to be in the form of a cashier check. Wells Fargo advised to put in a claim so that I could receive my money back quickly and get a cashier check. I took the cashier check to the property. I officially closed the claim on XX/XX/2023 with Wells Fargo and the {$1500.00} was taken back from XXXX XXXXXXXX and they advised me that I would be evicted from my apartment if I did not pay the money back. Property manager XXXX advised that I would need to pay a late fee and since their bank charged them a NSF fee. I would have to pay the NSF Fee as well. I called Wells Fargo to ask them to reserve this payment back to XXXX XXXX XXXX. They did and they stated it was final debit card payment to the XXXX. Last night I was looking over my Wells Fargo checking account and I noticed the {$1500.00} was back in my checking account. Wells Fargo had taken the money back from XXXX XXXXXXXX XXXX for the 2nd time. I shocked and upset! I called Wells Fargo claims department to find out why did they take the money from XXXX XXXXXXXX again and they said " the property management company bank was still talking to XXXX after my rent payment was made in XXXX to XXXX XXXXXXXX and Wells Fargo had won the claim with XXXX. '' This makes absolutely no sense at all. Why would XXXX the property management company bank still be talking to XXXX after the rent payment was made. Wells Fargo claims department I believe is lying. I asked XXXX XXXXXXXX what was the name of their bank. I need for a investigation to be done to find out if it was XXXX XXXX or Wells Fargo bank who keeps making this error. The Wells Fargo Branch manager XXXX XXXX and Wells Fargo claims department advised me that the rent payment XXXX XXXX XXXX received in XXXX could not be reversed and it was a final payment to XXXX XXXXXXXX. Wells Fargo Bank has lied to me. Wells Fargo, XXXX and XXXX XXXX has caused me emotional distress and enjoyment of life due to this matter. This has been going on since XXXX. I have paid my rent twice for the same month and I paid on time the first time. I don't know what bank is doing this to me. However, I do know that Wells Fargo has lied to me because they stated it was a final payment to XXXX XXXX XXXX  and it could not be reversed but they have reversed it even though I closed this claim on XX/XX/2023 with Wells Fargo claims department.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I made a purchase of less than {$100.00} at Victoria secrets. I made 3 payments to pay it off. They lost my 2nd invoice with my check but continued to charge me late fees, interest and so forth. 5 months later I get the check back at an address I no longer lived at. When i called to make payment they informed me they couldn't process the check without the slip because they had no idea which account it wentvto. My name and address was on the check the same name and address on my card. They could have looked it up but chise not to. but i paid that payment immediately. They refuse to take all of their fees off and mark my account as paid in full and closed. They have my balance at {$300.00} which was more than my purchase. I don't feel I should be responsible for their XXXX.
Consumer complaint received 2023-09-28
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. (TX)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX