davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

On XX/XX/23 my Chime account was hacked. I began receiving thousands of texts nonstop, to prevent me from receiving notifications from my bank. I called chime support because my phone number, email and password to my account was changed during this period. They were able to change my account email, then I was hung up on. I called again to dispute the transactions and was told to call back in an hour because they were having server problems with my account. I called a third time and was told nothing could be resolved. I highly suspect that inside sources of chime stole my information/money. I have transactions being made from XXXX XXXX. I have a charge from XXXX of {$1500.00}, another from XXXX XXXX of {$40.00}, XXXX XXXX XXXX of {$42.00}. Please help and publish this so others are warned to avoid this bank.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged 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 XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached a letter to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 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 2023-04-26
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. (WY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY (NY)

Absolutely the worst consumer experience! 
Greeted with the utmost disrespect. Staff inside the branch yell at customers and are extremely inefficient. Absolutely unacceptable. Unprofessional. 
I frequently expand my collection of credit cards and I applied for the TD Cash Credit Card. They printed me a TD Cash SECURED Credit Card ( in the branch ) and refused to come to a resolution in any way. Dismissed with XXXX figure it out yourself. Cancel your card, not our problem your credit score will go down because of our error. Never had such a terrible experience with any other banks. Staff not trained properly. Bank manager not helpful. 

TD Bank Branch Location - XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (GA)

The account I have with Affirm has been hacked. Someone has changed the contact information in the account an has made charges to the account for over {$3000.00}. I have tried to get the information changed back but the will not talk to me because the phone number that is on the account is no longer mine. Even though I can answer all the other security information and give XXXX loan information. I have sent in pictures of my Goverment ID on XX/XX/year> and on XX/XX/year> and both times they have declined to verify me. The phone number for the US customer service no longer works. I have sent emails multiple times and have never got a reponce. 
I do owe them {$950.00} for what I had opened the account to buy. But they have made it so I have no way to access the account to pay this off because I can not access or call them to pay this off
Consumer complaint received 2024-07-12
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I requested all original statements be sent to me Bank of America said they no longer had them. Instead they could send to me from their system a printed list of all debits and credits. The bank emailed me the list. When I opened this what I saw upon opening this list was double debits on the same day hours apart for the same amount, I saw transactions where the first one was mine and the second one arriving at times like XXXX and XXXX for a different amount but the same merchant and I saw double debits same place same amount XXXX hours later. There were out of the country international charges for companies who are in the XXXX like XXXX. I saw digital debits from XXXX when I am a XXXX member and XXXX is included in my XXXX membership. I saw credit that I was able to obtain through the merchants I reached out to. I saw fraudulent transactions where the bank needed to reach out to these merchants and never did so. XXXX pages of transactions and credits but not showing any credit for my store returns? I will be sending to you the XXXX pages marked so everyone understand what is mine and what is not!!!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS 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 items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC (CA)

I HAVE TRIED FOR YEARS TO HAVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM NOT SURE HOW BMW FINANCIAL GOT A HOLD OF MY PERSONAL INFORMATION BUT THE ACCOUNTS ARE NOT MINE, I NEVER PERSONALLY SIGNED ANY CONTRACTS WITH BMW OR ANY OF THEIR AFFILIATES TO GET HTESE 2 LOANS, I HAVE REACHED OUT TO THE FAIR TRADE COMMISSION, I HAVE REACHED OUT THE BUREAUS. FOR YEARS I HAVE NOT GOTTEN A RESOLUTION. AGAIN THESE ACCOUNTS WERE NEVER OPENED BY ME, I HAVE MADE IT VERY CLEAR TO BMW REPRESENTATIVES THAT THESE ACCOUNTS ARE NOT MINE, BUT THEY SEEM TO BE VERY CARELESS IN UNDERSTANDING THE FACT THAT I AM A VICTIM AND I NEVER OPENED THESE ACCOUNTS, ANY PAYMENTS MADE ON ANY OF THESE ACCOUNTS CAME FROM BANK ACCOUNTS THAT I NOT MINE, WHY IS BMW PENALIZING ME JUST BECAUSE THEY DIDN'T DO A GOOD JOB IN OBTAINING ACCURATE INFORMATION. I EVEN WENT TO SMALL CLAIMS COURT AND STILL NOTHING.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Re : Demand for Deletion of Unvalidated Debt ( Account # : XXXX ) To Whom It May Concern, I am writing to demand the immediate removal of a debt item listed on my credit report by XXXX XXXX XXXX, which has failed to be validated as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Per my rights under the FDCPA, particularly sections 809 ( a ) and 809 ( b ), I sent a certified letter to XXXX XXXX XXXX that was received at XXXX am on XX/XX/2023, requesting comprehensive validation of the referenced debt. This letter explicitly demanded the following : 1. A complete and itemized statement of the alleged debt, including the original contract or agreement. 
2. Proof of XXXX XXXX XXXX 's authority to collect this debt, including evidence of the assignment or purchase of the debt. 
3. Detailed account activity, including the date of last payment or charge. 
As of today, XXXX XXXX XXXX has not provided any of the requested information. This failure constitutes non-compliance with the FDCPA, which states that a debt collector must cease collection efforts until they have provided adequate validation of the debt when requested by the consumer. 
In light of their inability to validate this debt, I assert that its continued presence on my credit report is unwarranted and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that only accurate and verified information be reported. Unvalidated debts fall short of this standard. 
Therefore, I demand the following immediate actions : 1. The complete and permanent removal of this unvalidated debt from my credit report.

2. Written confirmation of the debts removal and an updated copy of my credit report upon completion.

Failure to act on this demand may compel me to take further action, including seeking legal counsel for potential violations of the FCRA and FDCPA. 
Please treat this matter with the urgency and seriousness it deserves. I expect a written response confirming the deletion of this item within 30 days. If the collector claims that the file was sent, please provide proof of delivery such as tracking number.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Dispute Department Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open authorize these inquiries, and I have never lived or received mail at the listed address below. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES : Creditor 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
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 



I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-12-16
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. (MO)

Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i went into XXXX to access my credit report online. I received an error message from both Transunion and XXXX  indicating that they could not issue my credit report online. I entered my information correctly for both agencies on XXXX. Both agencies have not given me any answers as to why I'm unable to access my credit report online. Both agencies have not given me any solutions to help me access my credit report online from XXXX. I have not been given any solutions from XXXX as to how to rectify the situation to help me access my credit report online at annualcreditreport.com. I am not interested in receiving a paper version of my credit report. I am entitled to access my credit report online from XXXX and by law and Transunion, XXXX  and XXXX are violating the law by not allowing me to access my credit report online from XXXX.
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX NOT MY EMPLOYER TOTAL STAFFING CROWN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquires need to be removed and this 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 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 then records of convictions of crimes which antedates the report by more then 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 2024-06-06
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. (GA)

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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
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. (CT)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.