davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MD)

Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Barclay XXXXXXXX XXXX I do not recall making any late payments to this account. I also believe the FCRA XXXX allows me to remove collection older than 2 years, I have made several attempts to have Barclay XXXX XXXX correct this error with no success. I submitted requests for adjustment in XX/XX/XXXX and XX/XX/XXXX, but the issue has not been resolved. 


I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. 


Thank you for your prompt attention to this matter. 


Best regards, XXXX XXXX
Consumer complaint received 2021-02-04
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 — Problem with personal statement of dispute
Company: ProCollect, Inc. (TX)

Procollect reported a debt for XXXX XXXX they never contacted me or sent any information about this debt. I never signed a lease with XXXX XXXX XXXX after XX/XX/XXXX when the lease ended. Procollect has refused to send me a copy of the sign lease. This new list was signed by XXXX XXXX I was separated and have court documents showing my ex husband would stay at that property and sign a new lease. I also provided Procollect and the 3 credit reporting agencies with the judges paperwork and a letter from XXXX XXXX stating I XXXX XXXX had a XXXX balance at the time of move out. This collect was placed on XX/XX/XXXX in the amount of XXXX and has been disputed more than 8 times. The credit bureaus XXXX, XXXX, and XXXX XXXX did not conduct a accurate verification of this debt and did not view my supported documents.
Consumer complaint received 2024-04-29
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. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

I am writing to express my deep dissatisfaction and disappointment with the customer service experience I recently encountered when seeking assistance from your institution. 

On XX/XX/XXXX, I called your customer service helpline in order to resolve an issue related to my account. Specifically, I had changed my phone and was unable to access my account as a result. While I am still using the same phone number, I needed guidance on how to regain access to my account. 

To my dismay, the customer service representative I initially spoke with displayed a distinct lack of professionalism and courtesy. Although she made efforts to assist me, she was unable to fulfill my request. Subsequently, I was transferred to a manager representative named XXXX, who exhibited an even more egregious level of rudeness. From the outset, he did not allow me to speak, raising his voice and demanding that I listen to him " before he hangs up. '' This disrespectful behavior left me feeling deeply upset and disrespected. To make matters worse, XXXX proceeded to call me names, such as " stupid, '' before abruptly ending the call. 

Distressed by this treatment, I promptly called back to report the situation to another representative. However, after providing my information, the call was disconnected abruptly. Subsequent attempts to reconnect were unsuccessful, leaving me unable to rectify the issue. This is particularly unfortunate given that it is the holiday season, and my funds totaling over {$2000.00} remain locked in my account due to the representatives ' failure to address the matter effectively. As a result, my family and I are now facing unnecessary hardship during what should be a joyous time. 

I find it highly offensive and utterly absurd that a financial institution of your stature would permit such unprofessional behavior from its employees. I had expected a higher standard of service from your esteemed organization and believe that every customer, regardless of the situation, deserves to be treated with respect and dignity. 

I kindly request that immediate action be taken to rectify the issue at hand and ensure that such behavior is not tolerated within your organization. 

Thank you for your attention to this matter. I trust that you will handle my complaint seriously and take the necessary steps to address the issue promptly. I eagerly await your response. 

Yours sincerely, XXXX
Consumer complaint received 2024-03-06
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. (IL)

in accordance with the fair credit reporting act XXXX  account XXXX  XXXX and XXXX XXXX  XXXX  XXXX has violated my rights. 
15 u.s.c 1681 section 602 a states i have right to privacy.

15 u.s.c 1681 section 604 a section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I paid off my car loan with XXXX XXXX and the balance is still reflecting {$25000.00}. My Account number was XXXX and they have not updated the account balance to XXXX. They have not provided me any documentation showing its been paid in full.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (GA)

On XX/XX/XXXX early in the morning I decided to finish XXXX shopping, a random stranger asked me to use my phone to call for a ride, me being the nice person I am out the kindness of my heart I let her use my phone while she used my phone she decided to send herself ( Transaction # 1 ) in the total of {$50.00} dollars a few minutes later she send herself again ( Transaction # 2 ) in the total of {$30.00} dollars, now she handed me my phone back and I proceeded and got in my car, once I get to the next place I noticed {$80.00} was missing ( before I pay for my items I always check my account, even throughout the day ) I instantly called chime to dispute I told them the same thing so they filed dispute # 1, hours later I recived a email stating that they denied the dispute I called to rebuttal so here it is dispute # 2 again same thing hours later now this is yesterday they send me a email again that even the rebuttal had gotten denied now at this point, I'm emailing chime letting them know I will take further action if need be, I've also tried to explain to chime I did not authorize these 2 Transactions, this was simply a stranger asking me to use my phone ( I do believe if I do good by others a blessing will always come ) me being the person I am I let her and when I did she sent herself {$80.00} from my account without my knowledge, my apps in my phone do not have a pass code on them, also I would like to state that chime has not solved my issue and they refuse to, I've told them expressed to them on sevral occasions that it's XXXX and I have been a customer loyal at that since XXXX of 2023 XXXX XXXX XXXX XXXX i work hard for my money that was money for my children for XXXX and they still refuse to place my {$80.00} back to my account, I don't even use chime to send any type of money I can count on 1 hand of how many times I used chime to send, I could give chime documentation because I do not know this lady the name that the lady sent the money to I looked up the name on XXXX and XXXX and that was simply not the same lady I let use my phone, they still refuse so please I need help please.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX  talked to credit bureau XX/XX/XXXX talked to credit bureau XX/XX/XXXX escalated issue with TransUnion XXXX XXXX XXXX  representative hung up on me. 

My date of birth is showing up as two different dates and TransUnion said I have two different accounts that need merged. 

I confirmed/verified my DOB and they said they would correct the issue. 

I'm filing bankruptcy right now and the court needs my Trans Union credit report. 

I have no access to my credit report nor services such as freezing or unfreezing my account.
Consumer complaint received 2024-04-28
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. (TN)

accordance with the fair credit Reporting act XXXX Bank XXXX XXXX Bank has violated my rights 15 USC 1681 Section 602 States I have the right to privacy

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NV)

LJ Ross Associates Collections told me they verified the account was mine when they purchased it. I contacted credit bureau XXXX and filed a claim. XXXX got back to me and said LJ Ross told them it is my debt they verified. XXXX closed my claim please help. this account was opened in a state i have never lived in.
Consumer complaint received 2024-04-28
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. (GA)

In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX2021 ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with XXXX that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit profile.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX XXXXXXXX class action lawsuit. All loans from XXXX University were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. Experian corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.
Consumer complaint received 2023-12-18
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. (NC)

According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer report.
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc. (NV)

My initials are XXXX. and the debt collection letter/email excludes the XXXX in my initials in which my name includes a given tax classification for the government to debit/credit off loans from my goverment income.
Consumer complaint received 2024-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prior Cfpb Investigation related to this matter today XXXX XXXX it has been more than XXXX days a considerably reasonable amount of time to contact me back in regards of these unauthorized inquiries, that I am unfamiliar with. In my last complaint I mentioned these inquiries that have resulted from Identity theft. 
The Inquiries are XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. 
I am asking the CFPB to step in and help me secure and make sure my rights are not being violated Thank you. XXXX
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (MO)

My name is XXXX XXXX and i bank with Navy federal. # XXXX last four of acct # My sister gave me a cashier check for XXXX i deposited it TO MY Navy federal account ON ThursdayXX/XX/2023 which said funds will be available on Mon XX/XX/2023 called bank on Saturday to see if i can move funds to savings account since i put in wrong account she informed me my funds wouldn't be available till Tuesday theXX/XX/2023 called the bank to see why my funds was not avail was informed that they were informed by the big bank forget the name she called it said the check was fraud and more than likely would not be cashed so they the big bank placed additional holds on the cashier check which myself and my sister talked with the banker at her bank which informed her that he didn't know why they were doing this which the check is already purchased and can be verified by XXXX or the clearinghouse but navy federal since i have banked with them over 4 years always sites my crdeit history i have never had bala=ces on my account i do not pay and to hold my cashier check not personal check and they keep extending the time frame in which my funds will be available nd the check is already paid for and able to be verfied
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

My Score on Experian was not showing on my report. Please update my score and delete all Inaccurate info on my account. 

Here 's my correct Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit management is sending me collection letters and I have never done business with this company. They have sent the wrong remarks to my XXXX, XXXX and XXXX profiles. This is not me or my account they must delete this from all Credit reporting agencies as per FCRA law.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

I called this number ( XXXX ) that was advertised as a Chime customer service number, to get help with an issue I was having with transferring money to my account from my other banking Debit card. This person I talked to impersonated a Chime agent. They had me download an app called XXXX so they had mirror access to my phone screen. Then they had me go into my Chime account and show them what I was trying to do with the transfer. They had me transfer money from my chime savings and chime cash rewards account, to my checking, to see if that worked, They then asked me to go to the 'XXXX XXXX ' selection in the app and type in XXXX XXXXXXXX with a memo of updatechecking and told me it was to see if my services were working. They had me type in XXXX in the amount section and send it to them. Then proceeded to ask me if there were any places near me where I could deposit money into my account. They asked me to go to XXXX and call them at another number ( XXXX ) After all of this I then told them that I wanted them to send me the amount back and that I would figure out another way to deposit money into my account. They hung up on me, when I tried to call the XXXX number, it gave me a disconnected tone. 
I've tried calling the initial number back several times and they answer with a greeting saying they're Chime, and when I proceed to tell them my issue and that they've scammed me, they hang up on me. 
I called the number back on several occasions to see what type of response I get. One time I called they greeted with being Chime and when I asked if they were Chime they said no, that they were a pharmaceutical company. I have contacted Chime several times on this and disputed it 3 times now. With being denied the first 2 times. I have not received a refund for the {$290.00} and I'm getting nowhere with Chime. This number is still scamming people and I would like it reported and investigated.
Consumer complaint received 2023-12-20
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

On XX/XX/XXXX, I purchased a XXXX vehicle which is being financed by Toyota Motor Credit. At the time of purchase, I also purchased a Tire & Wheel service agreement for {$1700.00}. The service agreement was not included in financing. I paid the cost of the agreement in full with my debit card. The service agreement indicated that I could cancel the agreement within 30 days for a full refund. I submitted a request within 30 days and the agreement was cancelled. However, TMC will not issue a refund. Ive called and emailed customer service and the reps keep indicating that there is a lien holder and Im not entitled to a refund. They cant comprehend that the lien holder applies only to the vehicle, not the service agreement which I paid for separately. 

Im asking for your assistance in obtaining my refund from Toyota Motor Credit. 

Thank you.