davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX CARD XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-08
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (OH)

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-08-18
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. (FL)

Request for Immediate Removal of Fraudulent Account [ XXXX ], Account Number : [ XXXX ] Dear Sir/Madam, I am writing to inform you that I have recently fallen victim to identity theft, which has resulted in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b. My FTC Number is XXXX. 

I kindly request your urgent assistance in rectifying this matter. Specifically, I am requesting the immediate removal of the fraudulent account associated with XXXX, Account Number : XXXX. The fraudulent activity occurred on XX/XX/2018. 

I understand the gravity of identity theft and its potential implications on my financial security and personal well-being. As a responsible consumer, I have taken immediate action to report this incident and rectify the situation. I sincerely hope that you can expedite the process of removing this fraudulent account from my records. 

Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account was abruptly closed because an auto-debit hit the account and there was insufficient credit to cover it. I immediately contacted the creditor that day and used another account to pay the amount due with no problem. Then Capital One sends me a cancellation notice. I called the number provided by Capital One and the service agent stated there was nothing he or I could do and the account was " permanently closed ''. This triggered a reduction in my credit score by XXXX points after months of my working to raise my score. I am a XXXX XXXX successful XXXX  who has always strived to do the right thing and I am being totally mistreated by Capital One. I do not care about the credit card, but demand something be done about the ding to my credit. This is simply unjustified.
Consumer complaint received 2023-04-20
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. (FL)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-18
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. (TX)

I am a victim of Identity Theft and am being harassed by collection agencies constantly calling me. The following information is what I found on my credit report that is not mine! 

XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3500.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2800.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXX XXXX & XXXX XXXX {$830.00} XX/XX/XXXXXXXX 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 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Transunion sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please adjust the misleading information from these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
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 — Investigation took more than 30 days
Company: BERKSHIRE HILLS BANCORP, INC (MA)

I went on training on XX/XX/2018 and returned home in XXXX told the loan company i was in training and cant log on to bay my loan until i get home, my credit score went from a XXXX to a XXXX and they refuse to remove the marks from my account i have email trails
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

Diversified Adjustment company has already been contacted concerning a debt they were trying to collect on. I was able to prove that the debt was not valid. They stopped all attempts to collect and they removed the debt from credit reports. Now today I got a notification from XXXX XXXX stating that a collection from Diversified Adjustment was just added to my credit file. I want them to remove this collection account ASAP because it was already proven invalid. This collection agency is in violation of my rights as a consumer and I will take legal action if this matter isn't taken care of immediately.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (CA)

I spoke with several representatives on XX/XX/XXXX regarding my credit card because they recognized possible fraud on my card. They blocked my card and sent out a new card. In the interim, the male rep also informed me that he would me emailing me a card that I could use right away that could be added to my digital wallet. He asked me if I was familiar with that and I told him that I wasnt very skilled but that I would figure it out because my vehicle was being repaired and I needed access to my credit card ASAP. Later that day when I tried to add the digital card to my digital wallet, it wouldnt work and I had to call back and I spoke with a femal rep and I remember her name because it is same as my daughter, XXXX. Their phones were so busy that it gave me the options to call me back when a rep became available and I took that option. The call came in at XXXX XXXX, PST and I explained to her that I was having problems adding the card to my digital wallet. She began troubleshooting and the total call duration was XXXX minutes and XXXX seconds. After some considerable amount of holding and troubleshooting, she was able to get the card added to my XXXX wallet. I also asked her if my mechanic wouldn't accept the XXXX wallet, would I be able to go into a local Navy FCU branch and do a cash advance and if so, would there be a fee involved. She said that she wasn't sure, and she placed me on hold. She returned to the call and told me that there would not be a fee involved and our call concluded. I went into the branch on Saturday, XX/XX/XXXX and I did a cash advance because my mechanic did not accept the XXXX wallet and I ran into multiple issues at the branch. I ended up leaving the first branch because they weren't telling me what I had discussed with the rep the night before even though I had asked for the branch manager. I went to a second location and finally got the cash advance so I could get my vehicle from the repair shop. Today is, Friday, XX/XX/XXXX, and I logged into the Navy FCU app, and I noticed an interest fee in the amount of {$50.00} so I called, and they advised me that it was for the cash advance, and I was obviously not pleased. I spoke with a supervisor, and she said that another supervisor named XXXX said that she listened to a call on XX/XX/XXXX ( that never took place for the record ) and that I was never told anything about a cash advance fee and of course not because that is not when the call happened. It is so sad that Navy FCU is documenting such outrageous lies to cover up for the fees that they are charging me after the fact. Please investigate this travesty so that banks stop this kind of illegal behavior.
Consumer complaint received 2023-07-12
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. (SC)

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 2022-11-29
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. (PA)

My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OR)

I sent XXXX $ to XXXX XXXX for a secured credit card on XXXX from my Chime account and the XXXX $ was debited that day for the XXXX $ but then when I didnt receive the card from XXXX XXXX  and couldnt get any information from them about it I initiated a dispute through Chimes support portal in the App but the very day I insisted the dispute my card came in the mail from XXXX XXXX so I tried to cancel the dispute process which Chime informed me was not possible to do at that time because the funds were already reversed from XXXX XXXX and that I would have to wait 90 days for the investigation to be done before I could even get a response about it so I asked if I could cancel the dispute in which they told me that they are sending the funds back to the merchant then so now I cant get my money back This all doesnt seem very legal or professional even and for sure cant be proper protocol for Bank procedures I simply want my XXXX $ back its my money and Chime Bank is refusing to give it back to me I have spent hours and hours on the phone with XXXX XXXX who assures me that my money was reversed from Chime Bank and hours on the phone with Chime Bank that says that XXXX XXXX has the funds now and both banks deny having my funds Chime bank refuses to even speak with me about it anymore because they say its not in their hands anymore but it is very much in their hands because its in their investigations teams hands but refuse to talk to me about it because I cancelled the dispute I cancelled the dispute because I got my card from XXXX XXXX and it was fine but Chime went ahead and reversed the charges anyway to make things more difficult for me because I wanted to know where my money was at I am upset very much upset because I just want my money back it is my right and its my money and XXXX $ is a lot of money to me right now I am trying to build some good credit is why I got the secured card in the first place but now Chime wants to give me a hard time because I want to know where my money is and tries to deny having it and tries to deny that they reversed it from XXXX XXXX when they in fact did reverse it and dont want to give it back to me because I am upset about it I have every right to be upset and I have every right to know where my money is at and when I will get it back and they cant even tell me that because they dont know where its at or what happened to it they wont even discuss it with me because they dont know who to transfer me to about it they said they cant help me because they dont know what happen to it and there is no way to track it because I cancelled the dispute this cant be right I want my XXXX $ back its my money and I want it back
Consumer complaint received 2017-07-18
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. (VA)

XXXX   XXXX   XXXX   is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from  XXXX  verifying and confirming the error but they still failed to address error
Consumer complaint received 2024-04-02
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I filed a dispute regarding an account on my credit report and identity theft and the said information ( achieve personal loan ) was blocked. Enclosed is a credit report sent to me on XX/XX/XXXX without disputed information on it ). On XX/XX/XXXX I pulled my credits report again and said disputes information ( achieve personal loan ) was inserted back on my credit report without my knowledge or being notified as required under 15 USC 1681i ( 5 ) ( B ) ( ii ) and ( B ) ( iii ), ( i ) ( III ) ( II ). Experian has violated my rights the FCRA on several occasions.
Consumer complaint received 2022-12-08
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Date opened : XX/XX/2017 Balance : {$5200.00}.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WV)

I have been made aware that XXXX XXXX XXXX XXXX  still has a closed account listed on my credit report, and also have listed the same account with a credit report. It is a violation of my rights to have duplicate accounts on my credit report. 
The credit agency is LVNV and the amount listed is {$600.00}. 
They are also in violation for reporting inaccurate dates ; they are saying this was opened XX/XX/2022 and that is a blatant lie, it is much older and nearing the statute of limitations in my state. They are also listing this account as having an open balance which is a violation in itself as there can not be an account in collections with an outstanding balance.
Consumer complaint received 2024-04-02
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. (GA)

XX/XX/XXXX I submitted disputes to XXXX, XXXX and Transunion to get several issues resolved to no avail. 
All companies listed are in violation of the Privacy Act of 1974, Fair Credit Reporting Act 15 U.S.C 1681b and the Federal Educational Rights and Privacy Act ( FERPA ) 15 U.S. Code 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party Most Important is the violation of [ 16 CFG 313.3 ] DEFINITION ( o ) Personally identifiable financial information ( 2 ) Examples ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (CA)

I tried to pull some money out and wasn't able to, so I called my card company and informed them, and they said to me that my account was close due to fraudulent activity which I don't nothing about. So I ask them when is I'm able to get the remaining balance that was on my card and they said XXXX working days... It's been XXXX now and I still haven't gotten my {$560.00} that was on my account. I e called XXXX times and I'm getting the same run around about they can't access my account for what ever reason... I'm tired of waiting for my money back... And I want my money back soon...