davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

When I contacted Discover card regarding my balance and if there was anything they could do to help me out, they said they could settle the debt for a percentage of what I owed. When I asked if the balance would be zero, she stated yes. NEVER once did she say there would be an impact on my credit. I paid a very large sum of money and not ONCE did she say that they would discharge this and show it as a negative on my credit report. Had i known that, I would not of settled. When I called in to inquire about the issue, XXXX, the XXXX manager said " We do not give credit advice, that's why we say you should consult your tax advisor ''. My rebuttal to that is, you're not giving tax advice when you state the facts. You should state the fact that you WILL report this to the credit agency and that you WILL discharge the debt. This is a deceptive business practice and the company should be held accountable for their actions. I requested the audio recording for the phone call because I'm pretty sure i asked about credit implications, but I can't 100 % remember, but in NO WAY was I led to believe this impact my credit so DRASTICALLY! If there are any attorney reading this please get in touch with me. This is not right, it's misleading and no one should be mislead the way that Discover Card mislead me!
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge 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: FIRST NATIONAL BANK OF OMAHA (KS)

I had a fraudulent charge on my XXXX XXXX for {$66.00}. FNBO agreed to the fraud and closed my account and sent me a new card. While resolving the claim and transferring cards they placed an additional two charges on the account with only one credit. Now there are 3 charges of {$66.00} with a credit of only {$66.00}. I have called multiple times with no resolution. I was told that customers can not see accurate information online so I had to wait for a statement but was still responsible to pay yet they agreed it was fraud? They said I would then see the credit and be issued a credit AFTER the statement and AFTER my payment. Then the agent said there would be a credit of {$280.00} which did not correlate the {$66.00}. 

When I asked for a manager he was dismissive but agreed. I was then disconnected and not called back by a manager. The charges were between XX/XX/XXXX and XXXX. My calls were XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, so I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : XXXXXXXX XXXX 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
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MA)

I am reaching out this way, because Chime has committed bank negligence when it comes to my account and it's supposed to be a mobile banking app, but there is inadequate customer support and trouble shooting for the technical support, my app hasn't worked for the in-chat support in over 2 months and I let them know about it and no on has helped fix it, so I'd be able to directly handle my banking issues with them. 
There has been a plethora of issues over the last 2 years. 
Chime has false advertisement for their credit builder account which I had from XXXX. The account is not supposed to be able to overdraft, it is a secured debit card that reports to the credit bureaus, but there was no borrowed line of credit. At some point the credit builder account had a negative balance and the account was closed due to inactivity. 
I made a deposit to repay the balance in the amount of XXXX on XX/XX/2022, which then adjusted the statement to reflect a balance of XXXX owed. 
This credit builder is on my credit report and shows as I owe, account closed, and a write off, all as derogatory marks. 
I contacted chime to let them know and they said they will fix it, they still to this day have not changed the remarks, or update it to show that the account is closed and paid in full. 
Chime STILL has a credit builder account in my name, which there should be no account in my name, I haven't authorized a new account after the original one was closed and I paid them back. This other credit builder account appears on the app, I have contacted them regarding this numerous times to no avail, they will not explain it nor remove it off my account. Essentially chime needs to delete that account off my name at this point, for false reporting over the last 2 years, which has hindered my financial success and endeavors. I am a single, XXXX mother, with low-income, this is definitely targeted attack against me, in attempts to systematically keep people like me stifled. There are several violations chime has committed in regards to the fair credit act, accurate reporting, fair and equal lending institution. 
I want my credit report to reflect the proper information, this has been such a major inconvenience on my life, it affecting XXXX XXXX at this point. 
I need chime to properly resolve this matter once and for all.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LEXISNEXIS (MA)

Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt associated with the account referenced above. Before I proceed further, I must stress that this is not an acknowledgment of the debt, but a request for validation and verification as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Per my rights under 15 USC 1692g ( a ) ( 2 ), I am formally requesting that you provide me with the name of the original creditor of this account. Additionally, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed information regarding the amount of the alleged debt, as well as a breakdown of how this amount was calculated. Please note that this request is solely for validation of the AMOUNT of the alleged debt, in accordance with 15 USC 1692g ( a ) ( 1 ). 

Account Details : Account Name : XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Closed. {$1100.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance updated XX/XX/XXXX ) Furthermore, I request that you cease all collection activities until such time as the requested information has been provided and the debt has been validated. Failure to comply with these requests may result in legal action being pursued against your agency. 

Please be advised that any further communication from your agency regarding this matter must be in writing and sent to the address provided above. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (SC)

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIALEVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (VA)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.

However, to my dismay, these disputes have not been duly noted as required by law.

Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (VA)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.

However, to my dismay, these disputes have not been duly noted as required by law.

Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Consumer complaint received 2024-05-06
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: LEXISNEXIS (NV)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Contacted XXXX regarding a medical collection in the amount of {$1900.00}. I was told they have no contact information on the creditor, yet they ordered me to pay the posted amount. I do not owe this amount and was covered by insurance policies during this period. Need help removing this off my credit report.
Consumer complaint received 2022-12-03
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. (KY)

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (GA)

I filed a dispute back in XXXX XXXX for a total amount of XXXX in addition to filing the claim I submitted all supporting documentation to show proof and reason being for my claim including the atm withdrawal. Unfortunately Chime bank denied my claim request
Consumer complaint received 2024-05-06
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: CITIBANK, N.A. (CA)

Citibank did not credit all the transactions that were unauthorized. My aunt is not going to be able to pay off {$2300.00} on her balance because those transactions were not made by her or me and also she dont use my card anymore because she does not have money and only spent {$250.00} using that card. Also, they did not credit back the transaction from last year that I and my aunt have been complaining about. It was for XXXX XXXX with the amount of {$420.00} and {$190.00}. My aunt called them already to verify those transactions and they told and sent us the statement showing that my aunt paid those in cash.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting is breaking the law reporting balances fir accounts that charge off. 
On top of it there not my accounts XXXX  XXXX nor XXXX XXXX  there not my account.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

I opened the citi bank credit card account through XXXX in about XXXX. I used the account for about a year. I then got a notification which asked me to confirm if I withdrew $ XXXX cash. I called the customer service and reported it was not me. I also at the same time asked to close the account because I don't feel safe. But then XXXX weeks later, I got a statement which had a balance of $ XXXX. I called the citi bank and reported it was not me who withdrew the money. The investigation was done and the result in my favor. I again asked to close the account, and I was told the account was closed. 

A year later, I got a bank statement from citi bank stated that the balance again about $ XXXX. Someone re-opened the account and withdrew the amount in cash. The investigation was done and the conclusion again that someone else re-opened the account and withdrew the money. I gain asked to close the account, and I wanted the bank had a note in there to make sure there is no one else can re-open the account including me. I was told the account was closed and that it closed permanently. 

XX/XX/XXXX, I got a bank statement with a balance $ XXXX. I called citi bank again, and also was told someone else re-opened the account. I asked to close the account. I raised the concern about why the account was kept reopened. I asked the bank to send me a letter of the result of the investigation for my record. I have told the letter was sent out, but I have not received it yet all though several weeks has passed. 

I want to make sure citi bank mark in the system that anyone ( including me ) can not open the account at all. 

I would like to have a letter from citi bank for my record.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (SC)

I want to report an issue with Amerihome Mortgage. They overpaid my property taxes to XXXX XXXX, and despite XXXX XXXX refunding the overpayment to Amerihome on XX/XX/2024, Amerihome has not reconciled my escrow account. 

As a result, they continue to bill me for an erroneous payment due and have reported negative information to the credit bureau, affecting my credit score. I request that Amerihome rectify this situation immediately and update my credit report and payment history accordingly. 

Loan # XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

To Whom it may Concern ; This letter is a formal complaint that you are infringing my rights under the Fair Credit Reporting Act. My distress is profound, stemming from your inclusion of the subsequent details in my credit report. Your oversight in instituting judicious mechanisms to uphold the pinnacle of accuracy in the credit narratives you disseminate is glaringly evident. Such lapses infringe upon a plethora of my rights, rendering you susceptible to civil liabilities.

According to the Fair Credit Reporting Act, you are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. You have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. Please understand that you are civilly liable.
Consumer complaint received 2023-11-09
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. (FL)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (MI)

To Whom it may Concern ; This letter is a formal complaint that you are infringing my rights under the Fair Credit Reporting Act. My distress is profound, stemming from your inclusion of the subsequent details in my credit report. Your oversight in instituting judicious mechanisms to uphold the pinnacle of accuracy in the credit narratives you disseminate is glaringly evident. Such lapses infringe upon a plethora of my rights, rendering you susceptible to civil liabilities. 

According to the Fair Credit Reporting Act, you are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. You have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. Please understand that you are civilly liable.