davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

Unauthorized transaction XX/XX/year> XXXXXXXX XXXX  {$99.00}. I tried disputing this transaction with chime however they told me they are unable to assist. I asked them to close my account since they could not assist with my dispute. They replied by saying they are unable to close my account due to a pending dispute even though the dispute was never started. I would like a full refund of the unauthorized transaction and end my relationship with chime. Please close my account.
Consumer complaint received 2023-05-22
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. (DE)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that a consumer has 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 2023-02-27
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. (FL)

I appreciate you taking the time to delete some of the fraudulent accounts and information from my credit report, but further investigation of my credit report revealed other issues. I observed that many of the fraudulent products are still present. You must delete the fake accounts and information you report on my credit file in accordance with Fair Credit Reporting Act section 605b. Please remove the remaining items from my credit file as quickly as feasible in accordance with Fair Credit Reporting Act section XXXX ; EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In order to have the fraudulent accounts and information removed from my credit file as quickly as possible, I am submitting this CFPB complaint. Even though I respect the deletion and action you took, my credit file should also have had the remaining items removed.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has an option in checking for " Spending and Budgeting ''. 

The categories are " Spending '', " Income '', " Transactions '' and " Cash Flow ''. 

However not all transactions are included. For example when I pay my Bank of America credit card, it comes through as " Bank of America : Finance : Credit Card payment '', but it does not show in " Cash Flow '' unless I change it to " Finance : Credit Card payment ''. 

That is just one example. They have preset categories and ignore anything else. This is not a " Budgeting '' report if it does not include all transactions. At the very least any transactions that do not fall into one of their categories it should go into " Other ''
Consumer complaint received 2023-02-27
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. (GA)

URGENT! 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Georgia [ XXXX ] XX/XX/XXXX, XXXX To : c/o EXPERIAN Representative XXXX XXXX XXXX XXXX, TX XXXX XXXX Report : XXXX XXXX XXXX Is XXXX XXXX and is XXXX to me. The Entities in the file that you keep in my name are tied to my individual social security number. 

Immediately remove all Entities. 

XXXX XXXX has its own identification number. 

Immediately update my file and send to above address corrected report. 

Enclosed is my Registered certification of XXXX XXXX. 



If I find this matter to Not have been resolved immediately. I will file a claim. My XXXX XXXX will file against you personally. 


For your verification I have enclosed my Registered Business Documents. 



Regards, XXXX : XXXX XXXX Agent Without Prejudice/ All Inalienable Rights Reserved
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I am closing a bank account I have through ending in XXXX. To avoid the risk of having transactions charge to the closed account, which could result in fees and hurt my credit rating, I want to remove this bank account from Paypal. When I go online to remove the account, I receive an error message " We are unable to complete your request at this time ''. I am afraid to keep the account in Paypal, it doesn't have money in it and something may accidentally get charged to it. I have two other verified bank accounts in Paypal. 

There currently is no way to contact Paypal regarding my issue. When I call Paypal, I get a recording stating, " we cant support your inquiry over the phone at this time. Please visit the help center and send us a message. They will not take my calls. 

When I follow their instructions and go to the help center, sending a message, several hours later, a representative will respond and send a text code to my phone. After receiving the text code, I go back into messages and send it to them. However, a rep does not return for several hours and the text is only good for 10 minutes. After 2 days of repeating this process, Paypal said we have to do it by phone. 

Paypal has tried to call me but they always call before XXXX while I am working. I told them four times already only call me after XXXX EST. They call around XXXX or XXXX each time. Finally, today they said unless I can call them, they can't help me because there's no way to schedule a specific time for someone to call me. Their hours are until XXXX, but they won't set up a time when I am not working to speak with me. They won't help me in messages and they won't let me call them. 

Paypal asked me to call them but when I do, I get the recording to go back to send them a message. They tell me that they can't help me on messages, it must be by phone. 

I am afraid if this account remains in Paypal, then an accidental overdraft will occur resulting in costs out of my pocket and damages to my credit report.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANCO POPULAR DE PUERTO RICO (PR)

I submitted a claim for fraudulent transactions made with my debit card on XX/XX/23. Banco Popular told me that they have 45 days to investigate, and 10 days to give me a provisional credit until they finish their investigation. No credit has been provided as of today XX/XX/23. In that claim, they did closed my card and sent me a new one. Yesterday, on XX/XX/23 again over $ XXXX in fraudulent transactions were made with the same card that they said they closed. Now I have over $ XXXX in fraud transactions, no status has been given even though I call everyday, and they are not even able to make it right after the first claim. Their negligence caused another fraudulent transactions and they do not want to assist on the issue.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

From XX/XX/XXXX to XX/XX/XXXX I initiated and paid for a rental car with my JP Chase Morgan United Explorer Card ( " Chase '' ). This card is advertised by Chase to include an Auto Rental Collision Damage Waiver benefit providing primary benefit coverage for rental periods up to 31 consecutive days. On XX/XX/XXXX I had a minor accident resulting in a dent and scratches to the right rear fender of the rental car. The rental company had the car repaired at a cost of XXXX Euros. On XX/XX/XXXX I notified the Chase Benefits Administrator and was told to file an online claim with the insurance company XXXX XXXX who administers the insurance benefit for Chase and was told to file a claim using their online claim process XXXX XXXX XXXX XXXX  ). I did this, uploaded the requested documents including damage photos, the invoice from the care rental agency for the repairs, etc. Since filing the claim I started periodically going online at the XXXX site to check status. The status continues to state " Pending ''. I have made numerous calls to the number and, even after waiting for hours on hold, have never had an agent or representative pick up the phone to provide an explanation of the status of the claim. I have also reached out to Chase, most recently on XX/XX/XXXX for assistance with resolving my claim or moving it forward. Chase customer service redirects calls their " Benefit Administrator '' who also doesn't pick up.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

To make it as easy as possible to get credit toward PSLF, I switched from the student loan servicer XXXX to XXXX. This loan servicer change went into effect on XX/XX/XXXX 

I was notified on XX/XX/ that my credit score decreased rapidly. This decrease in my score was due to my credit report falsely showing that I have identical loans through both XXXX and XXXX. 

Thinking it would take time for my credit report to accurately reflect the correct information, I waited until XX/XX/ to submit a dispute through Experian.com. I received an email on XX/XX/ from Experian stating that my dispute was " resolved. '' This is incorrect as my credit report still reflects that I have identical student loans through XXXX and XXXX.
Consumer complaint received 2023-02-20
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. (VA)

I've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.
Consumer complaint received 2023-12-05
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. (MA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX5 U.S.C 1681e Whenever 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX {$6000.00} XXXX  XXXX {$5800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-09-22
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)

This is my 5th endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (OR)

Hello, I filed a complaint to get on SAVE plan and EdFinancial was able to FINALLY get me on the plan after repeated calls. I made my first student loan payment before my due date of XX/XX/23. I noticed that my interest kept accumulating and was not waived. I talked to a rep who didnt understand that interest rates should be waived on SAVE PLAN. I actually had to read the studentaid.gov website information to her regarding interest rates being waived on SAVE. Asked for a supervisor who said that the interest would be waived after my due date of XX/XX/23. The due date came and went and my account has been accruing interest like crazy. It has not been waived AT ALL. I called again and another representative agreed that the interest rate should have been waived and my balance should be lowered than what it shows. She said it will go to their account department. I havent heard back and every day my interest accrues and my balance keeps growing. Im 100000 % certain that EdFinancial is unlawful and frauding borrowers.
Consumer complaint received 2023-12-05
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)

After reviewing my consumer report I noticed that there were inaccurate accounts and information on my consumer report.The consumer reporting agency 's never gave me my right to opt out and furthermore they never asked for my permission to furnish this information. In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.Code 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
Consumer complaint received 2024-03-22
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. (CO)

I looked at my account on XXXX of XXXX, and noticed some things are incomplete and not accurate as far my credit reporting on all XXXX  credit bureau. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow procedures to assure maximum possible accuracy of the information concerning the individual, about whom the report relates. 

The account from XXXX XXXX is showing as inaccurate balance when its closed. 
Account Number XXXX XXXX XXXX XXXX Account was paid off on XX/XX/XXXX of {$780.00} As of XX/XX/XXXX account was closed, meaning I couldn't have used the credit card any time after it was closed. 
As of XX/XX/XXXX balance came to {$0.00} Now all of a sudden I have a balance of {$1000.00}, that I don't know of.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WI)

XXXX XX/XX/2022 I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT I am attaching information directly from the US bankruptcy court that states they do NOT share or VERIFY ANY information to any 3rd parties OR credit reporting agencies.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (NC)

After checking my credit report and noticed inaccurate and unauthorized items being reported, I contacted the bureaus to dispute these items and have them investigated. I have received responses stating that the disputes could not be completed because they dont believe that the notices came from me as well as responses stating that the investigation was complete and some items were verified. I questioned their verification process as some items were fraud and obviously the information used would match my information but they wouldnt confirm their process. Other items that I disputed, I received notification from the actual courts that stated they never verified nor do they provide information to the credit bureaus. I have provided a FTC report and police report for the fraudulent accounts and have made contact with the courts to remove other items but they stand on the fact that they cant remove what they never reported.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Foursight Holding LLC (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-06-20
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX