davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (LA)

XX/XX/2023 They didnt do nothing they owe me XXXX of my own money. 

XX/XX/2023 They hung up in my face Im on XXXX XXXX & they locked my account containing my own funds. They stole my money and will not give it back XX/XX/XXXX Same thing hung up on me still about on the same fund my XXXX & & multiple times before this
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IN)

LexisNexis accessed mine and my husband 's credit information without our written consent, and then provided that information to multiple XXXX  parties. This is illegal. It is Aggravated Identity Theft, which is a felony. I have called this to their attention and they have ignored me.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (VA)

I started my new job and opened my XXXX account in XX/XX/XXXX. I never received an XXXX debit card. I have never had an XXXX account, so I didn't even realize I was supposed to have received XXXX until I attempted to seek medical treatment and they needed my card number. I tried calling Optum at least XXXX times over the past few months with no progress. They keep telling me they will send me a card, but to date, I have received nothing. I called yesterday ( XX/XX/XXXX ) morning and requested it be sent via XXXX  with a tracking number, so that I can ensure they are actually sending it. The supervisor I spoke with told me he'd send it out yesterday and I would receive a tracking number via email. I still have yet to receive said tracking number. It's been XXXX months now without access to the funds in my account, and I can't get my prescriptions or see a doctor without it.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

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.

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 XXXX 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-30
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. (MA)

I am writing to formally request assistance in resolving a dispute with Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following discrepancies, but to date, I have not received any response. Please find the details of the inaccurate information and the necessary corrections below : Account Not Late - XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I kindly request that you correct this inaccurate information on my credit report. 


Account Not Late XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ). I request the removal of this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4500.00} ). Please remove this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ). I request the removal of this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5500.00} ). Please remove this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). I request the removal of this account from my credit report.
Consumer complaint received 2023-09-01
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. (LA)

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, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (GA)

I ordered a laptop computer from XXXX XXXX and set up financing for 6 months, interest free if paid off by the end of the 6 months. XXXX  supposedly delivered the package to the mail center at the apartment complex where I live. The mail center is a stand-alone building which is unsecure, with no doors and is open to all who want to walk inside. XXXX  left the package in the open, which you can see in the attached proof of delivery photo. I received a message, from XXXX, that my package had been delivered that included the proof of delivery photo. I read the message, when I finished work, and went to get my eagerly anticipated new laptop. By the time I walked over to the mail center, the mystery box was not there. It was stolen. 

I contacted XXXX and they told me to get a police report, which I did. When I talk to XXXX about the situation, they point me to Comenity Capital, the lender, and when I talk to Comenity Capital, they say to talk to XXXX. I am stuck in the middle with little recourse other than contacting XXXX. I used to have an excellent credit credit score because I have always paid for things I receive. I do not pay for things I DO NOT RECEIVE!!! 

The package was not delivered to ME at my apartment number XXXX, which should have been clearly noted on the mailing label. It was left out in the open, exposed and accessible to anyone. Nobody is at the mail center building to check that all packages left in the open, like XXXX  does, are taken only by the person addressed on mailing label. I was working when the package was delivered and, as I stated above, went to the mail center after work and after reading the message from XXXX. If XXXX  had delivered the package to my apartments, I wouldnt be writing this letter.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On XX/XX/XXXX. XXXXI received my credit reports and observed Credit Acceptance has a voluntary surrender on the account, this is false information. I filed a previous complaint against Credit Acceptance with the Consumer Financial Protection Bureau under report # XXXX. Credit Acceptance requested an extension for investigative purposes and the account was removed from my credit reports and then reappeared today, XX/XX/year>. I have the vehicle and it was not voluntarily surrendered.
Consumer complaint received 2023-09-01
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: BMW Financial Services NA, LLC (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXXXXXX XXXX XXXX XXXX BMW FINANCIAL SERVICES XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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. (FL)

I am writing to formally dispute the accuracy of certain information on my TransUnion credit report, as well as to express my concerns regarding TransUnion 's failure to respond to my initial contact on XX/XX/XXXX. As a responsible consumer, I believe that TransUnion is bound by federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ), to ensure the accuracy of the information reported on my credit profile. 
On XX/XX/XXXX, I contacted TransUnion to address the following inaccuracies on my credit report, and as of today, I have not received a response. The details of the incorrect information and the required corrections are as follows : The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$16000.00} Please correct/update this inaccurate information on my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The information indicated on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) is imprecise. The Balance of {$390.00} that you state for this account is higher than the amount that I remember. You should remove the amount indicated in the Past Due section because this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$6000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$4500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-09-01
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: WELLS FARGO & COMPANY (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with Santander. I requested documentation to validate that this account was personally done by me and never received any information about it - not from Santander, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that Santander has on file. I have even mailed in letters to Santander and have never received a response, I am literally being ignored by this company.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and nticed an account that was not reporting accurately. I had a late payment on account that was in fact paid on time. The customer reporting agencies need to report all information with complete accurately. This account had not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I am now requesting again that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (FL)

To whom it may concern, I XXXX XXXX XXXX, have never applied for an upgrade account. Therefore, I would like this account to be closed and I also would like proof of the documents submitted in order to get this account open. I have always live in the same address and I never received any information from XXXX. I have been living in XXXX, FL. This account was opened with stolen information and I also had a freeze on my credit report so this didnt happen.
Consumer complaint received 2024-05-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (HI)

On XX/XX/year> I ordered a new XXXX XXXX from XXXX. It said it would be delivered on or about XXXX then a delayed arrival of XX/XX/year>. It NEVER arrived. 

I called in various times to cancel the order since I was going off XXXX and would just buy a new printer at XXXX instead. After several conversations online in Chat and by Email and Phone, eventually a couple of different service representatives reached out to me trying to resolve the issue. I reiterated that I had NEVER received the item therefore it was ridiculous. The tracking number issued for the delivery was actually the same number used for another delivery as well. There were discrepancies with the entire delivery order. They wanted me to wait until they initially received the returned item in their hands before attempting to resolve the issue. I complained and said NO - IM NOT WAITING for that scenario to happen. Fix my account immediately. 

This was in XXXX, fast forward 2 months later ( XX/XX/year> ) - I'm still being assessed late charges on my credit report now stating I'm 30 days late in making payments towards my Commenity Bank Dell Pay accout .... 

After speaking to a Case Specialist ( Name : XXXX XXXX ) for order number XXXX he said in an email describing an Approval for Refund status on XX/XX/year> and he'll follow up in 2-3 business days. Still no response. NO resolution, NO Credit issued, NOTHING!!! 

I'm at a loss as I'm evaluating my options on filing a Lawsuit requesting damages and court fees for this problem. They are ruining my credit further by not resolving this issue. 

My phone number is XXXX. 

Thank you XXXX XXXX