davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This hard inquiries do not belong to me : XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The following account was charged off as of ( XXXX, XXXX ) Since then the account has repeatedly been updated as " charged off '' every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. 
I am demanding a deletion of the following account : account # XXXX XXXX BANK 1. PAYMENT HISTORY IS DIFFERENT ON EXPERIAN CREDIT REPORT COMPARED TO XXXX CREDIT REPORT. THE HISTORY GOES AS LISTED ON EXPERIAN XXXXXXXX XXXX XXXX ( 30/60/90 DAYS LATE MODEL ) BUT ON XXXX 0/1/2 2. THE BALANCE ON THE CHARGED OFF DEBT IS DIFFERENT, EXPERIAN LISTS IT AT {$22000.00} BUT XXXX LISTED THE DEBT AT {$23000.00} 3. BOTH EXPERIAN AND XXXX REPORT THAT THE LAST PAYMENT MADE ON THE ACCOUNT WAS IN XX/XX/XXXX BUT THE PAYMENT HISTORY SECTION IS REPORTING A LATE PAYMENT FOR THIS MONTH. THE XXXX PAYMENT MONTH SHOULD BE UPDATED TO CURRENT AND ON TIME.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (MN)

My payroll direct deposit was sent to my Netspend Skylight One payroll checking account but because the transfer amount exceeded their limit, they insisted that I furnish a letter from my payroll dept indicating proof of deposit by XXXX or they would reject the transfer and hold my funds for 6 days. It was sent 4 times by my employer throughout the day and 4 times by me. They claimed to only have received at XXXX and indicated everything was good and that the funds would be released within 4-6 hours. 4 hours later I got an email that they rejected my transfer and that it wouldnt go back to my employer for 6 days. I called 18 times throughout the day and only TWICE was I actually connected to a rep. Once at XXXX and once at XXXX. Every time I would call, the automated system would tell me to try back later. My wife is not working and we need this money to pay bills or we will have late fees. Netspend creates obstacles that were impossible to overcome and will now hold my entire paycheck until the middle of next week. They told me I had until XXXX XXXX  CST to call and get this resolved ( letter was sent at XXXX CST ) however they stop taking calls at XXXX.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.have all violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 


My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX DUE XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (AZ)

I am writing to dispute the bankruptcy appearing on my credit report. It has come to my attention that this bankruptcy entry is inaccurate and unjustified. I demand its immediate deletion from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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: AMERICAN EXPRESS COMPANY (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-26
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: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. 

Equifax is given by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) -XXXX XXXX XXXX ( account ending in XXXX )
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (MD)

To Whom It May Concern, I am writing to inform you of unauthorized inquiries on my credit report that I strongly believe are the result of identity theft. Under 15 U.S. Code 1681c2, specifically, the provision regarding the blocking of information resulting from identity theft, it is stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This blocking should occur not later than 4 business days after the date of receipt by the agency of the request to block the information. 

I have identified the following unauthorized hard inquiries on my credit report : XX/XX/XXXXI hereby request that these unauthorized hard inquiries be removed immediately, in accordance with the aforementioned statute. I understand the gravity of identity theft and its potential consequences on my financial well-being. I have taken all necessary steps to protect my personal information and ensure that this unauthorized access to my credit report is resolved promptly.

Enclosed with this letter, please find a copy of my identification, a copy of my credit report indicating the unauthorized hard inquiries, and any other documentation you may require to process my request in an expedited manner. I kindly request that you confirm in writing when these unauthorized inquiries have been successfully removed from my credit report. 

I appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please do not hesitate to contact me if you require any additional information or if there are any further steps I need to take in this process. 

Thank you for your cooperation and understanding as I work to resolve this issue. 

Sincerely,
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (FL)

There's was on going transaction from a car rental place where the vehicle got turned in on XX/XX/XXXX after that they charged my card again in XXXX I made a dispute they didn't handle the situation now in still in the negative where they refuse to investigate the situation
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (WA)

This is the second complaint I am filing for this issue as my first was closed final with no resolution or response other than " we'll get back to you. '' On XX/XX/2023, Google suspended my Google Payments account suddenly and without warning. This happened not long after I obtained XXXX status on their games account and earned over {$57.00} in rewards that I am now blocked from redeeming or using in any way. I am not able to buy anything using Googles payments service, which is basically anything owned by Google or any apps or games on their store. This prevents me from doing things I normally do all the time. I am also a paying monthly subscriber to some of their services, and I can not access or use some of the perks of being a subscriber even though they are gladly taking my monthly subscription fees. They asked me to fill out a form in order to verify something about my account. That form was asking for information regarding the last gift card I redeemed on my account including dollar amount of the gift card, where it was purchased, etc. I provided this information and later received an email about Google being unable to help me redeem the gift card. However, that is not the issue as the gift card was redeemed successfully and used. I was trying to lift the suspension on my account. I have been back and forth with customer service via live chat, email and phone calls for over a month and a half now and they are leading me in circles and directing me toward the same exact form I already filled out. I filled it out over XXXX times over the past month and a half as well with the same result. The customer service representatives state that they can not divulge any information about this due to privacy concerns even though I am the one affected, nor can they connect me to someone at Google that can help me fix this. I have no way of redeeming earned money in my account and I have no way of redeeming additional gift cards I purchased with my own money that I am still attempting to get refunds for. They have essentially stolen from me.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AL)

I paid off my chase card balance if {$3000.00} in preparation got the XXXX holidays and when I paid the balance XXXX XXXXchase clised my account without my authorization. Now I cant take my family on a XXXX trip. Chase ruined my holidays for my family.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CA)

I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card Chase Slate. However, I profoundly disagree with such remarks. This reporting done on the behalf of chase is inaccurate and although I have reached out to them they have failed to resolve the issue.

On or around XX/XX/XXXXI decided to end my business with Chase as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the online accounts which included my Chase Slate. As time progressed I expected to receive statements from the Chase credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XX/XX/XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent.

Had Chase been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to Chase again in XX/XX/XXXX and threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to Chase a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to CHASE, chase E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism Chase has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that Chase is.
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MI)

I have had a loan with Ally for a about a year and a half. During this time i have only been able to make about XXXX payments on their website or mobile app. I have call and complained many times that i have not had access to my online account and every time they say it will be fixed in XXXX weeks. The issue with my account is still an issue today. I have been forced to make payments over the phone and pay a {$4.00} fee every time.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I was reviewing my credit report and I see that a negative item was reporting. The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Account Number : XXXX Account Name XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The name appearing on my credit report is incorrect, my only and correct name is XXXX XXXX as shown on my identifications. Please remove this incorrect name XXXX XXXX and all the incorrect information associated with this name. My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX as shown on my identifications. Please remove these incorrect addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. There are accounts are not associated with me including a collection of XXXX XXXX and XXXX of the XXXX  XXXX XXXX credit cards, it is a mixed up of credit files with a similar name. This is my third attempt trying to rectify the errors on my credit report. I never received any replies from previous disputed I have filed. Please take this seriously as I am entitled to 100 % credit reporting by law.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) XXXX has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a.

Accord

ing to 15 USC 1681a ( 2 ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which 15 usc 1681a ( 2 ) ( a ) says is not a part of consumer report.

Furthermore, under 15 USC 1666b, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision.

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by 15 USC 6802. Nor have I given any permissible purpose for the sharing of my information as stated by 15 USC 1681b.

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TN)

XX/XX/2023 The Claim Amount : {$530.00} This is what I received from Chime in regards to my dispute. 

" After reviewing your account and the information you shared, we couldnt verify unauthorized transactions. This means you are responsible for the {$530.00} you disputed. We review the details of every disputed transaction, your account history, and account usage, and make a decision based on our investigation. ''
Consumer complaint received 2023-10-18
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. (OH)

These accounts do not belong to me, please block and remove according to 15 USC 1681c-2 XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXXXX/XX/XXXX is being reported as a late payment. However, it was not late. 
XXXXXXXX XXXX XXXXXX/XX/XXXX is being reported as a late payment. However, it was not late. 

I have sent the credit bureau XXXX separate letters over the last XXXX days. I requested statements showing a late payment. To this date the error has not been removed from my report. Nor have I received the requested statements.
Consumer complaint received 2023-07-05
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. (FL)

I submitted this complaint to update this suspicious information. Experian and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$3700.00}.
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. (MO)

They keep telling me these accounts have been verified true but they havent provided a wet signature or any contractual agreements this is defamation yo my character and is causing a lot of financial problems like trying to buy a home and I cant because of inaccuracies