davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (FL)

i have contacted the credit bureau companies and trhey are simply ignoring my letters and calls from wrong addresses, jobs, names and i alos sent in these accounts and nothing.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (VA)

I have XXXX late payments from chase on my credit card that I received during the XXXX pandemic XXXX years ago. I havent been late since and chase has given me new additional cards because they trust me. I need to have these late payments removed because I was deathly ill in the hospital at the time fighting for my life. Thank you for your time.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (UT)

My sister was sending money ( {$500.00} ) through chime. I created an account like the request said to do on XX/XX/XXXX at XXXX MST. Chime closed the account on XX/XX/XXXX XXXX XXXX MST. There was no way to access the funds after the account was created since I needed a debit card since I did not receive one until after XX/XX/XXXX. When I called Chime to try and resolve the issue I was told multiple time that the account was closed due to violation of terms and policy. 
When I ask for more information about what term or policy was violated they just say the same thing. When I asked for a check or some way to access the funds they said it did not qualify for a return or rebate for the funds. I asked to speak to higher people and they said they would say the same
Consumer complaint received 2023-11-14
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. (MI)

I am writing to formally request the immediate removal of inaccurate late payment entries appearing on my credit report. As a consumer, I have rights protected under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ), which I believe have been violated in this case.

Under 15 USC 1681, Section 604 ( 2 ), my right to privacy appears to have been contravened, given that these late payment entries have been reported without my express written permission. Additionally, 15 USC 1666b states that all, requisite conditions must be met for a payment to be deemed late. I hold that these requirements have not been adhered to in my situation.

Consequently, I am formally requesting the immediate removal of all cited late payment entries from my credit report. Failure to rectify this situation may result in legal action on my part. Furthermore, I reserve the right to increase the demand I anticipate a response within XXXX days of this letter 's receipt, confirming the removal of these late payment entries from my credit report. Further non-compliance will leave me with no option but to pursue legal redress. 

Thank you for your prompt attention to this issue. I trust that you will take the necessary steps to correct these inaccuracies. These matters will also be reported to the XXXX XXXX, the XXXX XXXX XXXX office, and the office of XXXX XXXX 




Each and every late payment that has been reported should be removed from my credit report upon receipt of this letter. 
I have previously issued notices regarding this matter and the illegal credit transactions appearing on my report. Non-compliance with this request will push me to take legal action against all the parties involved. 
XXXX XXXX XXXX illegal late payments, XXXX Balance XXXX  XXXX XXXX XXXX payments, account : XXXX Balance XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payments of XXXX} XXXX XXXX illegal XXXX late payment of XXXX XXXXXXXX XXXX illegal XXXX late XXXX XXXX XXXX closed XXXX XXXX illegal late payment paid off closed XXXX XXXX XXXX XXXX late illegal payment account XXXXXXXX XXXX} I have attached my letters for your review
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters 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. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention the inaccurate reporting of TransUnion on my consumer file. Despite my repeated attempts to address the issues with TransUnion directly, they have failed to comply with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Fair Credit Reporting Act ( FCRA ). 

I have made numerous requests to TransUnion to correct the errors on my consumer file, but they have not taken the necessary steps to do so. The inaccurate information on my consumer file is negatively impacting my credit score and financial well-being. 

As a consumer, I am entitled to accurate information on my credit report, and it is the responsibility of TransUnion to ensure that they are reporting information in compliance with XXXX  and FCRA regulations. 

I am requesting your assistance in resolving this matter with TransUnion and ensuring that they take the necessary steps to correct the inaccuracies on my consumer file. Thank you for your attention to this matter.
Consumer complaint received 2023-11-14
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. (FL)

I previously submitted a complaint requesting a reinvestigation of disputed accounts on my credit report, urging you to update this account during the investigation period. Regrettably, as of today 's date, there has been no response to my request. Once again, I implore you to scrutinize the account for inaccuracies, incompleteness, and outdated information : XXXX  XXXX XXXX Balance Owed : {$1100.00} - This specific account is erroneously marked as a charged-off account. I seek clarification on why a balance is indicated if it is indeed a charge-off. The displayed balance is unquestionably incorrect, and, if feasible, I request its adjustment to {$0.00} or the outright elimination of the account.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, for months. XXXX and Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$420.00} Balance updated XXXX XXXX, XXXX Original balance {$420.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$420.00} past due as of XXXX XXXX. 

Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

Nelnet continues to withhold my ability to access my account. I have repeatedly asked for support by way of IT and general customer service. It must be noted that my access worked up until my attorney was engaged and I have correspondence from a CS rep indicating my status doesnt qualify me for access. 

I simply need the team to work with me and reset my account or provide guidance as to how my account can be reset ( its not simple troubleshooting ) and next steps so I may view balances and other important information I was able to view until it was brought up that Nelnet mismanaged my account.

Ive attached a screenshot highlighting the rep from Nelnet that I may not have access- my attorney is ccd on the same message and my status doesnt prohibit me from access accounts tied to my PII - Nelnet is limiting my agency by withholding information. 

I will continue to file and publish these consumer issues until Nelnet restores my access.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PatientFi, LLC (NC)

I am not liable for this debt of {$2800.00} with PATIENTFI/XXXX  Account Number : XXXX They did not provide me with the original contract. A purchase agreement with my wet signature and ID verification. They have provided me nothing to show full ownership of such account so l May review it to see if this is actually an account that belongs to me. 


XXXX XXXX has not furnished any agreement to confirm that account belongs to me.
Consumer complaint received 2023-11-14
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX : {$840.00}
Consumer complaint received 2023-11-14
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. (MO)

I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate items from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter. I discovered that my credit report issued by XXXX Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved. I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report. Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent. Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report. Ensure that no further negative impacts occur on my credit report due to these inaccuracies. I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that XXXX Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (MO)

I contacted your department following my credit report purchase with XXXX on XX/XX/XXXX. Upon reviewing my report, I discovered persistently UNVERIFIABLE information in my personal profile, including INACCURATE, COLLECTIONS, and CHARGE OFF accounts, as well as inquiries. This is disheartening, considering my ongoing subscription with XXXX, monthly report acquisitions, and continuous disputes without tangible resolution. Despite my efforts, your team suggested writing a letter and attaching a copy of the identity theft report ( FTC report # : XXXX ). I want to emphasize my lack of transaction history with the listed accounts below. Thus, I seek your assistance in removing the charged off, inaccurate, and collection accounts and inquiries, along with rectifying the incorrect information in my personal profile. Enclosed in this request are copies of my Utility Bill, Drivers License, and SS ID for verification purposes. Kindly expedite the resolution of this matter. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I am remodeling my home. I mistakenly inputted my Goldman Sachs-Apple Card for my XXXX loan to send {$17000.00}. This was for home remodeling to pay contractors for repairs. I found the payment on my Goldman Sachs and contacted them XXXX now. The XXXX time they said to give it XXXX days and they will process. The XXXX time i contacted the guy said to wait XXXX business days. The weekend dont count. The XXXX time i was told it takes XXXX days and the agent told me well do to the size of the credit it takes longer. The XXXX time the agent told me to wait XXXX days its in process. He had to reopen the claim. I waited XX/XX/XXXX days and made contact again, and asked for a XXXX. The XXXX said oh do to the size of the credit. They will not refund me the credit balance but to use my card so that i can recoup the credit balance that has now been on my card for over XX/XX/XXXXdays and they wont process a refund. XXXX advised me that they couldnt cancel the payment because it was already drafted to them and this is a XX/XX/XXXX setup over XX/XX/XXXX days ago.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I've recently received my credit report and upon viewing, noticed some fraudulent activity on my report. I've filed an idenity theft report ( reference number,XXXX ) in regards to these unauthorized accounts. I've disputed these accounts with XXXX, equifax and XXXX, which they said its been verified. I don't know what else to do but file a complaint, because these inquiries are unauthorized. The following accounts must be removed immediately ; XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/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 XX/XX/XXXX , XXXX XXXX XXXX and XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX . Futhermore my information was used and I recieved no benefit, these must be deleted immediately. Idenity theft report number again is XXXX.this is harming my character and i will seek counsel for suit if not removed and updated and sent a copy of credit report showing the updates of deletions.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MA)

To Whom It May Concern, I am writing to file a formal complaint regarding the abrupt closure of my Chime checking account, which I opened on XX/XX/2024. Initially, I funded the account via debit card and subsequently made an XXXX transfer of {$200.00} from my XXXX account during the first week of XXXX. Over the subsequent weeks, I also made three additional deposits using my debit card totaling {$700.00}. 

On XX/XX/2024, I received an email notification informing me that my account had been closed. However, there has been no communication regarding the refund of the balance in my account. It has now been over a week since the closure, and I have not received any of my funds. 

I contacted the Chime customer service department today seeking clarification and assistance. Unfortunately, the service agent informed me that my account is permanently closed and that my funds will not be refunded. Upon requesting to speak with a supervisor for further assistance, I was told that no supervisor was available, and the call was abruptly terminated. 

This interaction was not only unsatisfactory but also concerning, as it suggests that my funds are being withheld without a valid explanation. Given the total amount deposited and the unclear reasons provided for the account closure, I am requesting a detailed review of my account and an immediate refund of the balance from Chime. 

Thank you for your attention to this serious matter. I appreciate your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-14
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. (OR)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX