davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

On XX/XX/XXXX, a fraudulent account was opened in my name and using my email address. Chime never even verified my consent via email so I was not able to stop the process. Chime also doesnt seem to have good controls to prevent this type of fraudulent activity. 

On XX/XX/XXXX, I got an email from Chime that a debit card was issued and being sent to my old home address. This was without my permission so I called the same day and spoke to a customer service representative who confirmed they would close the account. I received an email the same day that the account was closed. 

However, I am still getting emails from Chime to set up a direct deposit. If the account was closed why am I still getting these emails and what is Chime doing to prevent fraudsters from opening new accounts in my name???
Consumer complaint received 2024-04-19
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. (FL)

To whom it may concern I am writing to dispute the following information on my credit report and have the following information on my credit report and have the following information removed from my credit file. The items I need deleted I have them listed for below. I am a victim of identity theft and didn't make any of the following inquiries. I demand these inquiries be removed from my credit profile. Please delete these items as soon as possible. Fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Every single US DEPT AND XXXX/DOFED account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP. 

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-08-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

Good Morning, Im writing to you in a complaint with Freedom Mortgage. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I sent the letter from the county clerk office along with the letter from the VA. Unfortunately, due to all the medical bills I had to file XXXX XXXX bankruptcy. I sent a letter to freedom mortgage from my lawyer stating that the house was not part of the bankruptcy that I was still responsible for the mortgage. Freedom Mortgage took it upon themselves and put my account under bankruptcy. I now have no access to my on-line account. Also I have asked several time for my surplus of escrow and they have failed to respond. If there is any way you could help me get my access back and the money the Freedom Mortgage owes me from my escrow. Thank you for your time and attention. 


XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-26
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. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Procollect put a collection on my credit report that isn't mines... 

I send a debt validation letter and a cease and desist to the company 30 days via certified mail, the company still has the debt on all three credit report, and the company still continues to call me about the even after sending both letters... 

The company never responded to the debt validation letter and it's pass the time frame of 30 days to respond.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (IL)

XXXX XXXX charge off has exceeded the time limit of reporting and should be removed I havent made any payments to this company in over XXXX years the information posted is false and charge off removed disputes have been filed but false info still reporting
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I have information appearing on my credit report that I need deleted/removed it is not accurate. My name is XXXX XXXX please remove any variations of my name. My current employer XXXX XXXX XXXX XXXX XXXX. The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-09
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

XXXXXXXX XXXX XXXXXXXX closed my account with amount still owe on the card. I been making payment on time. No one explain to me that I have promotional balance. They already charged me interest in the past and a small monthly interest. since the account have been closed, I kept making payment with small interest that I been charged every month.I planed to keep making payment until the account is paid in full. Today I received and email with {$4200.00} Just in interest. I called the company and spoke with customer service and manger, explain to them that I never received the bill and I never been late on my payment or missed a payment. I offer them to pay the amount left in full if they are willing to work with me and wave the interest charge. They declined and said they are unable to work with me due to the account being closed.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off CAPITAL ONE ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness. 
XXXX. **Absence of Form XXXX : I was not provided with Form XXXX for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance. 
XXXX. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (VA)

Dear Sir or XXXX : I live at XXXX Courthouse Apartments in XXXX, VA. The apartment conducts rent payment collection through Bilt Rewards, which is underwritten by Wells Fargo. I have been making payments on the Bilt Rewards website portal ( linked to XXXX ). I received payment confirmation numbers from XXXX for each payment, and I can see that the charges have been posted on my bank. I have opted to do a direct withdrawal rather than use my XXXX credit card. I only have the card because the system is presented as if a XXXX credit card is required. 

Unfortunately, XXXX is not reporting these payments to XXXX XXXX. As a result, I am accused of being over XXXX  days delinquent for an amount of over {$6000.00}. This is despite having called Wells Fargo customer service and supplied information about each payment that I have made to date. Wells Fargo said they would submit a case to have my situation reviewed, but when I called today I found that no action had been taken other to leave a note in my file. 

XXXX customer service directs me to talk to Wells Fargo to resolve the issue despite the fault likely lying with XXXX not accurately reporting my payments to Wells Fargo. I would appreciate your help as I am trying to use my VA XXXX XXXX to purchase my first home. This mistake on XXXX 's part has significantly lowered my XXXX XXXX and is negatively impacting my life. 

Thank you! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (MI)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding Experian 's handling of my credit information, which I believe violates the provisions of 15 U.S. Code 1681s2 ( a ) the duty of furnishers of information to provide accurate information under the Fair Credit Reporting Act ( FCRA ). 

I have identified several instances of inaccurate personal tracking information and unauthorized credit inquiries on my credit report, and despite my efforts to dispute these inaccuracies, Experian has repeatedly updated the information as verified without providing any proof of such verification. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bankruptcy : XXXX XXXX  Bankruptcy, XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Following Accounts : XXXX. XXXX 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 XXXX XXXX I have requested proof of the verification process for the updated information, particularly regarding the unauthorized credit inquiries and alleged bankruptcy, but Experian has failed to provide any documentation. I am concerned that this violates the duty of furnishers to provide accurate information as outlined in the FCRA. 

In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into Experian 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution. Please find attached copies of relevant documents supporting my dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-27
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 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.
Consumer complaint received 2023-11-27
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C, 1681section 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 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.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

PayPal deducted money from my paypal account on XXXX XXXX without authorization also PayPal hasn't not proof the acceptable user policy that was violated. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I opened several claims ( disputes ) with CHASE J.p. MORGAN bank around XX/XX/XXXX. I was previously XXXXXXXX XXXX XXXX XXXX XXXX and I was declared gravely XXXX XXXX XXXX XXXX  During that time my money was stolen totaling in over {$6000.00}. They gave me the replacement money and closed my account the next day. I had previously been a customer with them for about 5 years. They told me I would receive a check in the mail with the full amount of money in the account at the time of closure. Instead, I was sent a check for a little over {$2000.00}. I told them I had medical records proving that i was XXXX XXXX at the time of the transactions that i was disputing. They kept giving me the run around. its XX/XX/XXXX and i still have not received the rest of my money.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (SC)

IVE DISPUTE THE ACCOUNT # XXXX XXXX, AUTO LOAN. THAT WAS OPEN IN XXXX 2017. THE CAR WAS REPO BECAUSE THEY FAIL TO FIX THE OIL LEAK. SINCE THE CAR HAS BEEN REPO, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. IM REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. IM SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO IM REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.
Consumer complaint received 2024-04-19
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: AMERICAN EXPRESS COMPANY (MI)

This is continuation or addition to complain CFPB complaint number XXXX I recently submitted a complaint regarding a dispute with American Express XXXX This is part of the dispute but specific to the money charged not the premise of the dispute i thought i would separate it. 

On XX/XX/year> using my American Express card i rented a XXXX  from XXXX XXXX a XXXX  for 24 hours. The cost of the rental for the 24 hrs was XXXX including taxes. Additionally a XXXX $ security deposit was also collected. 

On XX/XX/year> 5 days later XXXX XXXX a XXXX charged my American Express card XXXX. Although there was a significant lack of communication regarding the charge ( please refer to Complaint XXXX ) the charge was due to claimed damage from mud on the XXXX. XXXX XXXX XXXX XXXX emailed the details of the charges in their invoice along with screen shots of XXXX images of the cost of : paint, fenders, roof, and other. 

The total paid to XXXX XXXX a XXXX along with the original rental fee and security deposit was XXXX. 

The summary of charges and the total charged do not match up with a difference of around XXXX When I questioned XXXX XXXX a XXXX to account for the different simply : labor. 

American Express, and my self repeatedly asked XXXX XXXX a XXXX to a detailed itemized repair estimate from a body shop. I, to this date have never received the repair estimate, and American Express has communicated several times they did not as well. I do not know if they ever received it. 

American Express failed to address the discrepancy and ultimately after the insurance claim was denied ( which is when they were asking for the repair estimate ) and the dispute was closed ( without explanation to this writer ), we paid the full amount to American Express. 

Please see attached.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.