davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (CA)

Well they never helped. Me fix my credit, and they took money from my taxes and they will always say my score was fair and I will fo somewhere else they will tell me my score was super low  . I was actually happy thinking my score was getting fix but no I was played ...
Consumer complaint received 2024-04-18
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. (CA)

I am writing to inquire about the Metro 2 compliance status concerning my credit information in relation to the Equifax data breach. My name is XXXX XXXX, and I am one of the individuals affected by the breach. 

As a victim of the Equifax data breach, I am concerned about the accuracy and integrity of the information reported to credit bureaus, including Equifax, in accordance with Metro 2 guidelines. The breach exposed sensitive personal information, and I want to ensure that my credit file is being handled in compliance with regulatory standards. 

Specifically, I am seeking information on the following aspects of Metro 2 compliance : 1. Accuracy of Reporting : I want assurance that the information reported to Equifax accurately reflects my credit history and current standing, considering any potential impacts from the data breach. 
XXXX. Timeliness of Reporting : I request confirmation that any updates or corrections to my credit file are being reported to Equifax and other relevant credit reporting agencies in a timely manner, as outlined by Metro 2 guidelines. 
XXXX. Dispute Resolution : In the event that I identify inaccuracies or discrepancies in my credit report related to the Equifax data breach, I expect a swift and efficient resolution process in line with Metro 2 requirements. 
XXXX. Consumer Education : I am interested in receiving resources and support to better understand my rights as a consumer affected by the data breach, including guidance on monitoring my credit report and protecting my personal information. 

I appreciate your attention to this matter and kindly request that you provide me with an update on the Metro 2 compliance status regarding my credit information in light of the Equifax data breach. Your prompt response would be greatly appreciated. 

Thank you for your assistance in ensuring the integrity and security of my credit information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

My sister passed away XX/XX/2022. We have been going through her paperwork and noticed she had Chime accounts. I tried to call them several times and they wouldn't help. So they told me to email them. I did. Several times. 

They said I have to send my ID and a copy of her Death Certificate. I took several pictures and uploaded them to their website at least 10 times and they continue to tell me the death certificate is blurry. I have taken the pictures with my phone ( as they requested ), and didn't edit them ( as they requested ) but they continue to tell me they can't take them. I sent the exact same pictures to my husband to see how they come across and he said they are clear. I don't know what they are trying to do here, but they are lying about the pictures. I want to close her account and take her money out of her accounts, but they won't. I'm not sure what else to do. They have her money and won't release it. 

My mom also received a message on her phone stating someone was trying to get into her account. We want to make sure someone doesn't steal her money ( but at this time it looks like CHIME is stealing her money.
Consumer complaint received 2024-04-18
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. (MS)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  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 XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-12
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. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed a collection acct that was placed in my credit file on Monday, XX/XX/XXXX. I disputed it immediately because the collection company never notified me of this debt after speaking with them on Wednesday the XXXX. XXXX they told me I must pay the account for them to delete it. The original creditor XXXXXXXX XXXX  owed me money. I never owed XXXX because they were overpaid. I had close the account and canceled services. XX/XX/XXXX were still taking payments out of my auto pay in XXXX and XX/XX/XXXX I demanded them to stop, they wait two months and never picked up the equipment and then bill me for the equipment a total of {$1800.00}, I returned the equipment at a mobile store of XXXX was given a receipt of return in XX/XX/XXXX. I was told at that point by XXXX customer service that my bill would be reduced to XXXX and I actually would be credited XXXX  XXXXfor a payment that was not due to be paid, XXXX cleared the bill down to XXXX and then subsequently that started billing me again even though I was not an account holder I discussed this with the collections company I systems who told me that if I paid it, they would remove it from my credit file and send a letter to delete I had disputed this with XXXX two days prior within three days they returned an investigation saying that they verify the information is correct. They never sent me any information on what they retrieved a violation of my credit act. They are required to not only investigated, but they are required to retrieve the information that was verified and send all of it to me, which theyve not done, they actually contacted. They wouldve known that the account was already paid off and settled. I am suing. XXXX and I filed a complaint with the attorney generals office in the state of Pennsylvania for having chased was never owed and Im filing for damages and damage the reputation of my otherwise pristine excellent credit. My prior score was XXXX and it dropped XXXX points because of this error.
Consumer complaint received 2024-04-26
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)

I am known victim of identity theft. I have already reported this to the credit bureaus, the authorities and the creditors themselves. It has been almost a year now and the bureaus have really done nothing at all. They just ignore my correspondence and i know I did the process right, They are breaking the law and violating my rights. I really, really need help with this. It is ridiculous. They can't just ignore me when I do the whole process the right way.
Consumer complaint received 2023-12-19
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

On XX/XX/2023 I was leaving the doctor with my son when I received a message at XXXX stating that my phone number associated with my chime account had been changed. I immediately went to my chime bank app where I noticed that I couldnt log in. I called chime customer service at XXXX to get my account back. When I got connected They requested me to send photos of me holding my id to get into my account. I sent the photos to the chime email immediately. Chime then sent an email to let me reset my password. I logged into my account and noticed XXXX unauthorized transactions. The XXXX transaction was on XX/XX/2023 at XXXX for an amount of {$530.00}. The XXXX  transaction was on XX/XX/2023 at XXXX for an amount of {$1900.00}. Both purchases were purchases that I didnt authorize. The purchases were from a XXXX XXXX in XXXX XXXX but it didnt show the exact location. I called chime customer service at XXXX to file a dispute. When we were on the phone they told me that I wouldnt be able to dispute it yet because the transactions are still pending and would take up to 7 days to settle. I called chime customer service on XX/XX/2023 when the transactions settled and filed a dispute at XXXX. They told me they would look into the investigation. On XX/XX/2023 at XXXX I received an email stating that my claim was closed and no funds would be credited to my account. I then called chime customer service on XX/XX/2023 at XXXX to reopen my dispute. While we were on the phone they requested me to send any proof that I had to their email and I did so. Chime reopened the investigation. On XX/XX/2023 at XXXX I received an email from chime stating that the claim is considered closed and no funds would be credited to my account. I then called chime customer service on XX/XX/2023 at XXXX to try to reopen the case. They then told me they would send me another email to upload photos with more proof. I havent received an email.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as 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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$840.00} is on mine and my daughter 's credit and it was included on a bankruptcy last year. Case XXXX. I have requested XXXX and XXXX to take this off my credit report and My daughter XXXX XXXX credit, but they have not. Please see the attached document.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (MS)

zions debts holings is reporting a fraudelent account that was opened in my name due to identity theft .im filing this complaint because of identity theft.15USC 1681 this account supposed to be removed in 4 days not 30 days.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to express my deep concern and frustration regarding the unexplained closure of my XXXX business checking accounts with Bank of America on XX/XX/2023. As of now, it has been two months since the closure, and I am yet to receive any concrete information or release of my funds. 

The total balance in both of my accounts amounts to approximately {$250000.00}. I have exercised considerable patience, expecting a prompt and transparent process for the release of my funds. However, the lack of information and extended delays in resolving this matter have left me in a state of distress. 

Each time I have reached out to Bank of America customer service for an update on the status of my check, I have been informed that my case is under an unknown investigation. Regrettably, there seems to be no specific timeframe provided for the completion of this unknown investigation. The uncertainty surrounding when my funds will be released, coupled with the suggestion that it may take months or even years, is deeply troubling. 

I would like to emphasize that I have maintained accounts with other financial institutions concurrently, and I have never encountered such a situation before. The lack of transparency and urgency in addressing this matter has severely impacted my confidence in Bank of America 's commitment to its customers. 

I am reaching out to request immediate and transparent communication regarding the status of the investigation into my closed accounts and the subsequent release of my funds. I believe that a resolution to this matter should not be subjected to an indefinite timeline, and as a valued customer, I expect a more proactive approach to address my concerns. 

I kindly request that Bank of America expedites the investigation process, provide a clear timeline for resolution, and ensure the prompt release of my funds, as the continued delay is causing significant financial strain and distress to my business and me personally. 

I appreciate CFPB 's prompt attention to this urgent matter and look forward to a swift and satisfactory resolution.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has NON-MAILABLE addresses on my Credit profile. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ARE NON-MAILABLE!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-12
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 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 accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
XXXX XXXX
Consumer complaint received 2024-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2023-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

On multiple occasions I have asked the debt collector to send me the informations about the debt because I never received anything about this. I was made aware of this alleged debt when it showed up on my credit report. I called and asked them on two separate occasions ( first week of XXXX and again in XXXX ) to send me the bills, breakdowns, and all pertinent info in order to confirm the debt is mine. They have not sent anything, I put a dispute twice through the credit monitoring system and both times they said that the info was confirmed. How do they confirm the info with the credit reporting agencies and are as of yet to confirm the debt and Info with me directly?
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-26
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. (IL)

I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On JXXXX XXXX, 2024, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over XXXX days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged XXXX XXXX within the stipulated time frame of XXXX business days. As of today, XXXX days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. 
As a victim of XXXX XXXX, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. XXXX XXXX itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.