davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IA)

On XX/XX/2023, I realized that I had some unauthorized pending charges on my Chime checkings account from a vendor called XXXX. Those pending charges amounted to {$590.00} total. In looking further, going back to XXXX of 2023, I realized there were even more unauthorized charges from that same vendor totaling around {$470.00}. I proceeded to open a dispute on all charges on XX/XX/2023. On the morning of XX/XX/2023, I was provided an email stating my dispute was complete and that Chime found that none of the transactions were in error and that I would not be receiving any credit for them. No additional information was provided. No details on how they came to there determination at all. I have called and complained. They claim that my dispute is being reopened, but it is still not reopened from what I can see in my Chime application.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.
Consumer complaint received 2022-11-25
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Three times I have received a call from XXXX XXXX XXXX about a debt that I have, I have explained why at the moment I cant pay, and that I am working on solving the issue but they continue to say they are going to freeze my bank account, that I will be seen as a criminal if they file a civil case, that I will have to way to support my kids because I will be a criminal.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (AZ)

I sent the money on XX/XX/2023 and arrive to the recipient 's bank account on XX/XX/2023 in the amount of {$400.00}. I Sent it using remitely app. However, when I asked the recipient to check his account he said he doesn't see any deposite in his account. The remitely asked for bank statements history and i provided that. I also asked the remitely company to solve this issue and nothing was done. I've asked them to talk with XXXX XXXX which they confirm that the money was deposited to the recipient 's bank account and when he went to ask his bank provider, they said there was no money deposited in his bank. 
Thus, I need your help, please.
Consumer complaint received 2023-06-21
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. (FL)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT US DEPT ED Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting.

US DEPT ED Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 US DEPT ED Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-21
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My debit card got compromised for almost a month and half, every time that I deposit their was money taken out of my account, some use my money to used it on a XXXX XXXX app call XXXX. They took out of my account {$7300.00} on different days since XX/XX/2024 to XX/XX/2024, when I noticed something wrong with my account, I had just deposited money trow the ATM and like 10 minutes later didnt have no funds. I did the claim to CITIZENS BANK XX/XX/2024. And they refused to give me the money back. They closed the DISPUTE CLAIMED with out returning the money back.
Consumer complaint received 2023-06-21
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. (CA)

I have been roobed out recently and lost every thing and submitted the police report also to remove my bad credit histroy where done by some one who robbed out and i am facing the problem when i apply for new credit cards or loan geeting rejected due to this problem.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-09-29
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: SANTANDER HOLDINGS USA, INC. (GA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX Santander XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX Santander Consumer Usa XX/XX/2023 XXXX XXXX
Consumer complaint received 2023-06-21
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Experian does not provide an obvious option to freeze your credit. I linked through the NCDOJ.gov link to the site, where I had to verify my account. When I was logged in, it took me to the main screen, not the linked credit freeze screen. the only displayed option was a credit LOCK, which is a premium service apparently. It prompted me that I " can not lock my account without upgrading '' so I thought lock & freeze were the same and needed to upgrade. It was a {$0.00} fee initially but was not incredibly clear on the monthly price after a trial period. I then felt weird and researched that credit freezes are required by law to be free. So I clicked the link from NCDOJ.gov again and got to the credit freeze page. They are clearly obscuring the credit freeze option to make people think they need to upgrade for a credit " lock '' and putting you into an auto-renew monthly service with them. So unsophisticated consumers ( or those moving quickly to lock their accounts after an identity theft experience ) may think they have to pay for the protection they were seeking, but instead they are paying for a slightly different ( and possibly less protective ) service rather than receiving the service the law requires Experian to provide for free. 

Both of the other agencies offered clear, easy access to both the credit freeze and the fraud reporting with no attempt to upsell. Incredibly deceptive from Experian, especially if you are moving quickly to try to prevent fraud and miss a couple of details in the process. I'm a sophisticated consumer and XXXX XXXX so I had the tools to realize something was off before it cost me money and immediate access to a credit freeze, but not everyone would.
Consumer complaint received 2023-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (VA)

I took out a title loan and have had issues paying it back, one just the economy but also the main issue is that they keep removing the ability to pay online. When I called and talked to a representative I asked about this and she said based on the account depends on the payment options offered to the customer. So they are intentionally making it hard to pay this load. On top of that they have not sent the payoff amount that I asked to be put in a letter for the payoff to me.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-05-16
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: FISERV INC. (CA)

I used my card to purchase something online ( XXXX, ORDER # XXXX & XXXX ) on XXXX of XXXX. I did never received my orders till this day, XXXX, XXXX. However, I did attempted severally to contact the company requesting for my orders, through email message, and they keep telling me I will be getting it, and yet, it was all fase. 
But, as the month of XXXX and XXXX goes by, to close to ending. I contacted the company again, and yet nothing was done. I contacted the XXXX  ( MONEY NETWORK ) to report the issue. The complaint description, and companies informations given to the Bank. I have called the Bank several times to get an update, also refund me the amount of {$140.00}. Since, I did not receive any of my orders till day. It's been about 3 months. I am really desperate for my money being refunded, credited back to my account. Since, I am going through great financial difficulties. I need my money refunded back to me. Thanks.
Consumer complaint received 2022-11-25
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. (CA)

I sent a letter on XX/XX/XXXX, to remove that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  .... Balance : - ; XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX .... Balance : {$9000.00} ; XXXX  XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX .... Balance : {$520.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX .... 
Balance : {$0.00} ; XXXX XXXXXXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX. 
Balance : {$980.00} ; XXXX XXXX XXXX XXXX .... Balance : {$530.00} ; XXXX XXXX XXXX XXXX .... Balance : {$180.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX XXXX
Consumer complaint received 2022-12-07
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. (TX)

In accordance with the FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX In ( Acct # XXXX ) The XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (PA)

On XX/XX/2021 hunter warfield inc charge {$940.00} the amount that I did not own and already solve the situation with original creditor ( XXXX XXXX XXXX XXXX XXXX ) as well as with hunter warfield inc. I just found out recently that the amount still showing on my credit background check result.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Information Services has violated consumer my rights by sharing my furnishing an account that is fraudulent for the last 3 months. I am attaching the FTC statement, to address the account that is fraudulent. Please remove the XXXX account off of my credit report. This account was not open by me.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (PA)

I am writing to file a complaint to CREDENCE RM regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXXI have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.