davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Chime offers a feature called my XXXX. Depending on your direct deposit amount and how often you receive you direct deposit determines how much you qualify for. My full time job direct deposit is what qualifies me to have access to XXXX. I also sometime work for XXXX which is like a XXXX etc. Today I worked the entire day and then cashed out and my Chime account took all of my money and did not give me the option to request it back. I dont understand why it would take it to begin because the direct deposit is not my qualifying deposit for me to have access to XXXX. I dont receive my direct deposit until XXXX. Then to make matters worst after they took all my pay they would not let me request it back so needless to say this really inconvenienced me and my family. I am a single parent doing what I have to do to make ends meet and for them to take it and not allow me to request it back is a huge inconvenience. And to top it all off I have been a Chime customer for XXXX plus years but after todays experience I plan on closing my account. I called member service and that call was completely pointless and a waist of my time.
Consumer complaint received 2023-09-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

Good morning ; I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit XXXX experian XXXX and XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to experian XXXX and XXXX supervisor and they hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare that they will keep putten more things please need help
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I settled my XXXX XXXX credit card charge off. XXXX XXXX did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.
Consumer complaint received 2021-03-08
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. (NC)

My credit shows a collections account for a service that I did authorize or sign for. I sent a certified letter to the collections agency asking them to provide me with any information about the debt because it is not mine. I sent this on XX/XX/XXXX. I have not yet heard anything back from them. I next sent a certified letter to both TransUnion and XXXX  on XX/XX/XXXX with no response. I do not know what else to do. The debt is not mine. Please advise on what next steps I need to take.
Consumer complaint received 2023-09-29
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. (FL)

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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Back in XX/XX/2020 I received an unemployment payment from the Ga DOL to my new Paypal account. They first limited my access to my account needing proof of my identity to which i complied. 24 hours later I got a notification stating that I no longer receive Paypal services and my funds would be held for 180 no explanation. I still do not know why. It has now been 2 months over 180 days. I call frequently to check on my status and have not been able to be helped or withdraw funds. All customer service agents say that my account has to be reviewed but no other information. The GADOL payment is the only activity on the account! Except withdraw attempts.
Consumer complaint received 2023-08-14
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2023 ATTN : XXXX XXXX Department XXXX Ive just reviewed my credit report and noticed the following inaccurate item XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Sincerely, XXXX XXXX.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-08-14
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. (TX)

XXXX XXXX is illegally on my credit I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-08-13
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. (LA)

I spoke with experian and I have attached the documents that they asked me to send in. I have also sent them a certified copy by mail. I need to resolve this issue as soon as possible, as this is really recking my life. I am taking the ftc fraud steps to prevent it in the future and have also invested into a credit monitoring to stay on top of my credit daily.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

TD AUTO FINANCE is reporting an inaccurate debt charge off and have failed to provide the required 1099-C as required by the Internal Revenue Code 26 USC 6050P in order to support the charged off amount. TD AUTO FINANCE has also failed to provide the required accounting and does not have written permission from the consumer to report ANY personal financial information to the credit reporting agencies. A demand for removal has been made.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: RoundPoint Mortgage Servicing LLC (AK)

I hired an attorney in XX/XX/XXXX to get some results, but 4 months later, Im still exactly where I started. Roundpoint is an impenetrable fortress of 30 business day responses and unhelpful supervisors that have access to the data you request, but cant share it. My own attempts in XXXX and XX/XX/XXXX to settle the foreclosure charges during an approved homeowner assistance program have been unsuccessful. I was on an active homeowner assistance program with XXXX as of XX/XX/XXXX. My loan was transferred to Roundpoint Mortgage on XX/XX/XXXX. The first statement I received from Roundpoint showed an active homeowner assistance. However, there were foreclosure charges added between the date of transfer XX/XX/XXXX and my first billing statement from Roundpoint on XX/XX/XXXX. I have since paid those charges of {$2800.00} and am seeking reimbursement due to the unlawful actions of Roundpoint to forward my mortgage into foreclosure proceedings without regard to the CFPB protections related to COVID-related homeowner assistance programs.
Consumer complaint received 2022-11-03
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. (VA)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
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. (VA)

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 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 2023-08-13
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Charge for XX/XX/, traveling from XXXX to XXXX then XXXX to XXXX, XXXX cancelled these flights about 3 hours in the middle of the night before me, my sister, and my mom were to take the flight. This flight never happened, but this charge still exists. I called Capital One Travel to get this fixed several times, and the last time the lady on the other end was supposed to get back to me. She never did, and the charge still exists even though the service/flight never happened. 

XXXXCapital One won't simply refund a charge that happened for nothing. XXXX won't do anything because it was done through Capital One XXXX, and Capital One XXXX literally doesn't know what's going on and needs to call XXXX to find a solution?
Consumer complaint received 2023-08-13
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. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.
Consumer complaint received 2021-03-08
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. (FL)

I have an incorrect student loan reporting on my credit. My credit report shows that O 120+ days late on payments to XXXX XXXX  XXXX I have a XXXX balance with XXXX University, and have never been late. I have a letter from XXXX XXXX stating that I have a XXXX balance with XXXXXXXX XXXX, and have uploaded and supplied this several times to all of the credit reporting agencies. I have disputed this account several times. The credit bureaus - especially Experian - find no change to report. This is now updating monthly on my credit report, continually dropping my score. Also because of this account I have been denied most credit lines I have applied for, and the ones I was able to secure have charged me higher rates because of this incorrect account. XXXXXXXX XXXX also lost a fraud lawsuit by the FTC, in which students such as myself were found to be victims of false advertising, and were reimbursed or had loans cancelled, yet all of my student loans - which were all for XXXXXXXX XXXX  - are still being reported as currently owed.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In Accordance with the Fair Credit Act XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX All have 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 states a consumer reporting agency can not furnish an account without my written instructions. These Items have all been included in a police report as well as an identity theft complaint..
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXXXXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 2023-08-13
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. (TX)

XXXX XXXX is illegally on my report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-09-29
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. (FL)

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 XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-13
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. (TX)

XXXX XXXX is illegally on my report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (PA)

After reviewing my credit report I noticed I had late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX/DEPT OF ED OPENED XX/XX/XXXX AND XXXX/DEPT OF ED OPENED XX/XX/XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate Experian states I was late however XXXX states I was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.