davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IN)

I had XXXX plus in my chime checking account that the irs sent me for my tax return. They ask me to verify my tax return I sent in 1040 transcript and also irs acceptance letter and my ID they still closed my account after I verified the information they requested. Chime closed my account XX/XX/23
Consumer complaint received 2023-05-08
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: Experian Information Solutions 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 2018-08-31
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: Experian Information Solutions Inc. (FL)

I have tried to get Experian to re-investigate a Ch.XXXX bankruptcy that is inaccurately reporting on my credit report. I have received numerous responses from the bureau stating that they did in fact verify this public record and they have not. The Courts have informed me that they did not, have not and will not divulge any information about a consumer without their prior consent. I called the courts and went there to see if i fact someone came to the courthouse to check on the accuracy of this public record and they have no record of someone coming in. Today XX/XX/XXXX I called Experians Fraud Dept and a rep told me specifically they verified my case at the courts through court records. I informed her of the letter that i sent to their offices which included the letter from the courts. The rep claimed to have seen this letter in my file while we were on the phone. I informed her that XXXX  XXXX ( which is who Experian stated they verified my BK thru ) no longer has this BK in my file. This is my second complaint about Experian. They claimed to have verified this Bankruptcy in XXXX, but XXXX XXXX has had my file updated since XX/XX/XXXX. I am currently being unfairly treated because Experian refuses to follow the FCRA and properly reinvestigate this public record according to their MOV. I have asked several times to be informed of who verified my BK, what company did they work for, what date they verified this BK, How they verified it and who assisted them with the verifiction. To no avail, I have still been unable to get anyone to assist me with removing this inaccurate information from my report. The rep informed me that they do not have to give me the name of the company verifying my information. This is illegal to continue reporting information that I am telling them is not mine.Even the address that the BK is showing isnt an address that is mine. This address was listed in a Identity Theft report from the police, stating it isnt mine. I can prove that this public record isn't mine because the Court rep showed me in her system that the dates Experian are using are not even matching what is showing in their system. Please help me get this worked out, I shouldn't be punished and denied credit all because this company doesn't want to reinvestigate.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XX/XX/2023 I have tried reaching the business I wasn't able to get anyone I have reached out to the credit bureau the only thing they could tell me is that it will be removed in XXXX. My problem is I would like it removed now because I recently noticed it and have never applied for these merchants. There are no amounts due to these are inquiries but I have informed the credit bureau but they were unable to help.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: T2 Financial LLC (MD)

I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named T2 Financial inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from XXXX XXXX on XX/XX/2022 that i have no clue what for. And another from XXXXXXXX XXXX that falsely ran my credit. I have also called them and they state there is nothing they can do.
Consumer complaint received 2024-03-21
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. (AR)

I submitted a dispute for the child support accounts to be removed off my credit report to all 3 credit bureaus ; XXXX, Experian, and XXXX. 

The Accounts are unlawful & Fraud. I did not open any account, or enter into any agreement with the Child Support Agency, nor did the debt start from a " CREDIT TRANSACTION ''. I do not have any loans with Child support & Ive requested all accounts be removed.. 

I disputed these accounts on XX/XX/2024. 

The bureaus didnt do anything but claim to Update my report but the Child Support Accounts still show.
Consumer complaint received 2023-11-28
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: 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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I'm not sure if employment history plays a role on my credit score but it says that I'm unemployed but I have been with the same company for 4 years. Is there a way to fix that to represent my employment history? Before that I was employed with another company for quite some time and it doesnt show that i have any employment history at all
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-25
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. (IL)

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :
Consumer complaint received 2018-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

I fell behind on payments due to health. I secured $ XXXX from Florida 's Hardest Hit fund to pay Ditech/Greentree. Ditech/Greentree misapplied these payments I can prove through just looking at my credit report. I applied for a mortgage modification. Ditech would say they did not receive my paperwork and would have to resend. They kept saying they did not receive. I was working with Florida 's Hardest Hit and we called once again and they said I was denied for no reason. I have no debt and a steady income. They sold the house to themselves at auction for $ XXXX I've been here for 17 years making payments. Despite making payments for all of XXXX and some of XXXX and providing them an addt $ XXXX for principle my balance kept going up. I don't believe they ever intended to provide me a modification and just mishandled everything so they could foreclose on me and steal the house to flip and make more profit.
Consumer complaint received 2024-03-21
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. (NV)

This creditor listed below has violated my right per fcra Creditor : XXXX XXXX XXXX  Secured loan Account open XXXX Account does not belong to me know knowledge address is incorrect. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists
Consumer complaint received 2023-09-15
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: MRS BPO, LLC (TX)

I submitted a dispute through XXXX for a collection from MRS BPO. They did not provide an itemized statement of charges being reported therefore my rights are being violated. They are reporting inaccurate information and its affecting me. MRS BPO is not licensed in Texas as a collection company therefore they are fraudually reporting on my credit and XXXX refuses to look into it.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-21
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)

Per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, Experian did not provide me with the information that validates the following listed account below : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Experian per their dashbroad claims XXXX XXXX validated the information but this can not be the case because XXXX XXXX has not provided me the proper validation via this government agency which makes it impossible for them to validate the information with Experian.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America has opened accounts for me multiple times in the past 2 years without my consent or any effort on my part.

1st time was XX/XX/XXXX 2nd time was XX/XX/XXXX 3rd time was XX/XX/XXXX Each time no $ $ was involved but i had to to call and cancel these accounts. Each time it is multiple accounts opened in my name. Today ( XX/XX/XXXX ) it happened to my wife. A checking account was opened with her name and she has never had a bank of America account. I have had one many years ago ... .but, canceled a long time ago.
Consumer complaint received 2023-11-16
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. (IN)

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account Number # XXXX Has violated my rights. 

15 U.S.C 1681 section 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 a 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 inaccurate.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (DC)

I checked my account on the morning of XX/XX/XXXX, I noticed I had been charged {$420.00} in overdraft fees. I was concerned as to why this happened so I looked through my account. A {$500.00} student loan payment I originally intended to be made on XX/XX/XXXX was mistakenly scheduled for XX/XX/XXXX instead. I was not scheduled to be paid until XX/XX/XXXX so the money deducted for the {$500.00} payment caused my account to go into the red. 

When I signed up for my account with TD Bank in XXXX I opted in for an alert when my checking account balance was low ( {$100.00} ). For some reason I never received that alert, thus I did not know that I was running a low balance and kept making purchases. 

On XX/XX/XXXX I went to a local branch where the Manager said she was doing me a favor by reimbursing {$100.00} of the {$420.00} to my account. I think this is extremely unprofessional to tell a client that you are doing them a 'favor '. I then called customer service and they only reimbursed me {$35.00}. In light of recent overdraft related class action lawsuits against TD Bank one would think they would do the right thing here and help their customer out. 

I have a clean record with the bank. There has been no other instance of an overdraft happening on my end. I want the remainder of my money back. It is disgusting that such a large institution knowingly takes advantage of its so called customers. 

Also, as a side note, when I spoke to customer service the first person I spoke with told me he already briefed his supervisor on my situation and that she was not going to reimburse me any more for the fees and then proceeded to ask if I still wished to speak with her. It seemed as if he was trying to convince me nothing more could be done and to silence me.
Consumer complaint received 2018-08-31
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. (CA)

This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form
Consumer complaint received 2024-03-21
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
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: JPMORGAN CHASE & CO. (NY)

someone opened up a line of credit and a checking account at JPmorgan chase in my name. It also showed up on my credit report. I called chase bank and they were able to I called XXXX to have the fraud alert put on account and to have the inquiry removed.
Consumer complaint received 2018-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with TransUnion and XXXX, I do not want my account to read " charge off '', the debt was sold to a credit collection company and I paid in full! I want it to only say paid in full not " charge off '', it hurts my score and when I apply for other cards. I also had both companies on my report. XXXX I paid in full. I asked my 2 credit card companies to remove the words " charge off '' it was paid in full!
Consumer complaint received 2024-03-21
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (MO)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX