davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XX/XX/2023 XXXX XXXX In reference to National Credit And / OR XXXX XXXX XXXX XXXX tx XXXX Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt XXXX  * ( 2 ) the name of the creditor to whom the debt is owed and who owns the debt now * ( 3 ) Provide a verification or copy of any judgement ( if applicable ) : * ( 4 ) Proof that you are licensed to collect debts in XXXX, Tx Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (OH)

I just started to look more closely into all three of my credit reports and I noticed a lot of negative and false information and accounts on all three that are not correct. Starting with XXXX credit reporting I have XXXX hard accounts that are against that report and XXXX soft accounts that are affecting my score as well. I have tried to send letters to them stating that they were going against the FCRA codes, the exact codes they are going against is 15 USC 1681 Section 604 as well as 15 U.S. Code 1681n ( b ). Those account amounts that are affecting my score is {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$6500.00}. Everything I sent them proving this violation came back as verified and they would not help me fix them. Now, going into XXXX credit reporting I sent the same letters and the violations they were going against which are the same laws as stated above for transunion and they all came back verified as well. Those amounts that are affecting my report for XXXX are {$2600.00}, {$500.00}, and {$200.00}. Lastly, experian is going against the same rules as stated with the other credit bureaus and all came back verified as well. Those amounts that are affecting my score are {$2500.00}, {$1100.00}, {$920.00}, {$550.00}, {$700.00}, {$490.00}, and {$8.00}. I have sent letters to all three bureaus stated above with the account amounts and the laws against them and nothing has been done about it. I am just trying to get my credit score up to buy a house for the first time and be able to eventually get a loan or credit card. I have XXXX small children and just went through a terrible divorce and just want all these items fixed immediately so I can move on with mine and my children 's lives,
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KY)

I do not have a cell phone e and needed to reset my password. I live in in area that cell phones do not jhave service, so I have a land line. 
I accidently logged out of my Chime account. I forgot my password and needed to reset my password. 

I contacted Chime customer support a week ago to resolve my issue. I have approximately 25 emails to and from. I spoke with a supervisor, today. I provided the documentation they asked for but I never receive a response. I provided copy of my driver 's license, copy of current utility bill, selfie with my driver 's license, Paper with current date, name and last 4 digits of social. I never receive a response. 

I am now, very concerned about my funds, current and future with this lack of contact to resolve issues. 

I would not recommend Chime to fellow seniors.
Consumer complaint received 2019-11-22
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: CITIBANK, N.A. (OH)

Case Number XXXX I would like to APPEAL that case and get it resolved. I will seek further legal actions against citi bank if it wont get resolved. CFPB complain number XXXX-XXXX  Ordered merchandise WAS NEVER RECEIVED! MERCHANT FAILED TO DELIVER ORDERED DOOR! 
On XX/XX/19 I prepaid deposit XXXX $ using Visa card. 
On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using citi card On XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install. Moreover it didn't look like anything we ordered. See attached photos. 
On XX/XX/19 merchant agreed to to take the door back and make replacement door within 2 weeks. 
On XX/XX/19 my husband RETURNED the defective door to the merchant in person. I have screen shot as well. 
On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/2019 On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. 
On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19 to my house. 
On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with citi card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner.. My husband is a military veteran and the way citi bank handle this case is unacceptable. I have been a loyal customer for a long time. 
Also attached is a screen shot where on XX/XX/2019 we canceled the transaction with the merchant due to NON DELIVERY and NON COMMUNICATION! I DONT HAVE MERCHANDISE IN MY POSSESSION. 

On XX/XX/19 citi bank contacted me claiming I need to provide slip that merchant agreed to refund me, witch is NOT the case. Citi bank refused to help and resolve the case!
Consumer complaint received 2023-06-29
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX Violated my rights 15.USC 1681 section 602 A states I have rights to privacy 15 USC 1681 section 604 A section 2 : states consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer plan as late for any reason.. 
The information reporting to my Experian doesnt match the information on my XXXX and XXXX its really affecting my credit and I need this late payment removed from my Experian
Consumer complaint received 2023-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NY)

LETTER!! 

15 US Code 5168c-Ja mumer reporting agency that beck the reporting of any information in the of a comer that the consumer entfestion that from an alleged identity theft, not later than 4 busness days after the date of receipt has been 30 days and you are in VIOLATION of this law because I am a victim of destry the Please delete these items IMMED These accounts should not be famished on my consumer report as they are Under, 15 US Code 1181b Persible purposes of consumer reports tal c to subsection any consumer reporting agency may furaha mere following crcumstances and no other ( 2 ) in accordance with the WRITTEN INST come to whom it relates INTVA gen any comme reporting agency WRITTEN CONSENT repert anything on my consumer report which violates my rights as a federal protected NO CONSENT IDENTITY THEFT. As a demanding the deletion of the courts Isted IMMEDIATELY
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

On XX/XX/year> an email from XXXX XXXX saying I had opened an account arrived in my XXXX account email. This was shortly followed by XXXX more emails saying that transfers were made ( from my XXXX XXXX XXXX account ) to individuals in Connecticut for {$560.00} and {$550.00} respectively. This account was fraudulently opened. I have never used XXXX XXXX nor have a reason to use their services. I find it hard to believe that a company can not spot fraudulent activity, especially after should have drawn many red flags inthe transfer alone. This is also in the light of recent court settlements aimed at this company. I am now out over {$1100.00} and the basic response I got from XXXX XXXX, was to go XXXX in my hat, I was not going to get my money back. I obviously did speak with XXXX XXXX shortly after the emails were sent but to no avail. The accounts were closed and I asked to put a complete block on my info as I will never be using them. Especially now after the pretty cold response to their XXXX XXXX. I am utterly astounded by XXXX XXXX lack of professionalism.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (LA)

On XX/XX/XXXX, I contacted Exeter Finance to receive a lien release statement bc my title is no longer in my possession and a document is needed from the DMV. The DMV will not create a duplicate unless a lien release document is provided. EF stated that would submit the request for the document and I would receive in 24-48 hours. Here we are on XXXX I have not received any documents. I call them again to receive an update and now they are saying they do not have to provide this to me. My account is paid off and Exeter Finance refuses to provide this document to me.
Consumer complaint received 2023-07-18
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)

Experian XXXX XXXX XXXX XXXX XXXX # XXXX recently reviewed my credit report and I found unauthorized account on records etc., 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all unauthorized an have no Permissible use. 
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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I called Bank of America back in XXXX 2023, to report I received a bank card that was issued to me the problem was it wasnt my address and I didnt open the account. I explained this to them and their fraud department, they claimed the account was open online and based on the transactions it was definitely opened fraudulently. Today XX/XX/2023, I was given another piece of mail containing a bank statement from Bank of America again my name but wrong address. I called again. I was told there is a case open and its under investigation but they REFUSE to close the account until I provide them with a copy of my ID as well as other personal information such as my social security number, address, etc All the transactions were made out of state and most through an app called XXXX. I dont know how they could open an account online without an ID but wont close it unless I provide them with my personal information ( which if it was an actual account they would already have it ). When I asked to speak to a supervisor at Bank of America I was denied! I have spoke to BOA and there fraud department and I cant seem to get anywhere without giving them personal info. I have no credit cards, loans with them or bank accounts. I just want the account closed its affecting my life!
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

Initially this account was created fraudulently using my Identity. After contacting them so many times and explaining that this account doesn't belong to me, they never removed it from my credit report. They would tell me every time to pay {$500.00} and we will remove it from your credit report. I had no choice but to pay them {$500.00} .Because of this account reporting on my credit report I can not even rent a place to live somewhere with my family and am facing so many other similar problems Even though I paid them {$500.00} to have this account removed because i had no other option or help. They still wouldn't remove it and still reporting the account. It never belonged to me and I still had to pay to solve my problems. It's has been more that 8 years.
Consumer complaint received 2024-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (OK)

I received my statement around the XXXX of the previous month, I mail my payment the same day or one day later, but the address for lender is XXXX XXXX  XXXX XXXX. 
Due to post office delivery time, my payment arrives late causing me to be charged late payment charge. Have asked customer service if they could mail my statement sooner so I did not get charged late fee for receiving payment late, said they have a set time to mail statements out. I think this is a XXXX to get late fees that are not my fault.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-04-13
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. (MO)

I have tried to contact TransUnion and XXXX by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card in XX/XX/2010. At one point it was reporting with all three company 's. For some reason Transunion deleted it and so did XXXX. XXXX is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to Transunion two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-29
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. (TX)

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 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 2023-07-18
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2017-04-05
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Winona Holdings, Inc. (LA)

Had an agreement with CheckCare Systems in  XXXX   XXXX   GA. F or a $  XXXX  /month f ee they would guarantee payment of any NSF check writte n to my  business as long as I had the proper information recorded on the check and it was {$100.00} or less. We also had an agreement if they were able to collect on checks that did n't meet those criteria they would pay me for them if they were able to collect them.They were supposed to issue me monthly checks along with reports showing which checks they received from my business. My bank automatically sent all my returned checks to CheckCare Systems for collection. They stopped sending me the money they collected on my behalf so I told them to stop drafting my account the $  XXXX  /month  service fee until they paid me what they owed me. In  XXXX  of    2016 I  spoke to  XXXX   XXXX  who said he was  a manager th ere and told him to deduct the monthly service fees from what I was owed and send me the money they owed me. He said he would do that. Since out conversation in  XXXX  of    2016 I  receiv ed 1 p ayment from CheckCare Systems for {$70.00} I believe it was. They currently owe me over over {$1000.00} and refuse to pay me. I know they owe me {$600.00} for a check {$300.00} for another check and {$70.00} for another. These are checks I collected on at my business from the customers who wrote me NSF checks that CheckCare Systems later electronically swiped from their accounts. In each of those cases I reimbursed my customers the money they paid me because they were charged twice once by me and once by CheckCare Systems. For their collection efforts they change me $  XXXX  /month  and charge the customers a collection fee. I sent them a certified letter demanding all the money they owed me along with all the NSF checks they were holding for m y business that they were unable to collect on. I 've made many phone calls to without success and I hope you can hel p me settle this matter.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (IL)

THESE ARE UNAUTHORIZED ACCOUNTS WHICH IS CONSIDERED FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX