davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

On XX/XX/2023, I contacted chime at XXXX. A male voice stated " thank for calling chime, how can I help you ''? I stated " I would like to discuss my direct deposit because I don't see and employer verified it was deposited to my account. '' The male who presented himself as Chime customer support agent stated. " Can I have your first, last name and last XXXX digits of your social security. '' I provided the information. He said " is it OK if I place you hold? '' I said " that's fine. '' I was placed on hold, when male returned he stated " oh, I see the problem your not connected to the server. '' He then stated " I'm going to have to go into goggle play store so I can reconnect you to the server, then you'll have full access again. '' I followed his directions, next thing I know I could see a cursor moving around, then I saw him typing in email addresses. When I said " why are you doing that He hung up on me. I went back to my recent call log to redial chime It provided me with XXXX XXXX XXXX XXXX and the chime number was gone. I had someone else to dial chime and I reported what happen. I was informed that my account was hacked and someone took control of my phone. I was informed I would get an provisional credit on XX/XX/2023. Something told me to call chime, due dispute stauts was now missing from chime app. I was told my claim was denied in less than 24 hours. I've filed 2-3 rebuttals, I provided a written statement, the email addresses that showed where the money went, a police report number, police officer name and badge number. A screen shot of the chime app page showing the email addresses. With each claim a decision was made in less than 24 hours. After speaking with 2 separate dispute supervisor 's who informed me that it was definitely fraudulent what took place. They assured me I would have my money returned. However, my claim continues to be denied.
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

PMI Cancellation request denied a second time by Nationstar when my loan is current and balance is at {$28000.00} / XXXX %. The original loan originated in 2007 for {$40000.00}. Home purchase price {$42000.00} in XXXX 2007. Home at XXXX XXXX XXXX XXXX XXXX KS XXXX. XXXX County Appraised value {$42000.00}. XXXX I understand the law says PMI must be taken off at XXXX %. That would have been when the balance was at {$31000.00}. I have paid on time, and have made upwards of {$2000.00} of extra payments towards the principle since XXXX 2007. I am a XXXX vet on a limited income. Nationstar wants me to pay for an appraisal and title search which will cost over {$600.00} which is XXXX % of my XXXX payment. As far as I understand, they have been taking PMI for some months after the law says they have to take it off.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-11-16
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. (SC)

I have been disputing this info since XX/XX/2022. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1681c-2 this need to be removed.
Consumer complaint received 2023-11-09
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. (NJ)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I was approved for TOTAL PERMANENT DISABILITY DISCHARGE '' in late XXXX XXXX. The amount of XXXX was discharged to XXXX  and reported by XXXXDEPT. OF EDUCATION AND/OR XXXX. Subsequently, all 3 Credit Reporting Agencies were informed, yet EQUIFAX continued to report ( inaccurately ) that this loan is still open, and I owe a total of {$10000.00}. I have made repeated phone calls to EQUIFAX disputing the erroneous information they are reporting on my personal credit file. EQUIFAX has asserted the information that remains unchanged on my credit report is based on their investigation with THE DEPARTMENT OF EDUCATIONXXXX XXXX This issue has been unresolved since XXXX. As a result of this inaccurate information, I have had to pay higher interest rates on everything from a small auto loan, credit card companies, personal loans, auto insurance and a preliminary option to rent-to-own the townhouse I am currently living in. The undue stress, XXXX  and embarrassment has impacted me physically and financially. I am hereby requesting that this " error '' be reported truthfully to ALL CREDIT REPORTING AGENCIES. Especially, to EQUIFAX who has stated repeatedly, the information is based on their investigation of THE DEPT. OF EDUCATION.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (CT)

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I had automatic payments set up on my credit card. Without notifying me, Bank of America canceled them. I didn't receive a notice until it was 30+ days overdue. At that point I paid the full balance. They claimed they didn't know why it happened but admitted fault by refunding the late fee. They refused to do anything about the report to the credit bureaus. 

This happened again about 5 months later. I had a balance of {$21.00} owed on the card, and again the auto payments were canceled and it became past due. This was again reported to the credit bureaus. 

These are the only two late payments in my entire 20+ year credit history. I've uploaded a XXXX  copy of the chat I had with BofA support, which acknowledges that they did cancel the auto payments and refunded the late fee.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (MS)

I don't want this on my report, it hurts my credit history and it's not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (MS)

I don't want this on my report, it hurts my credit history and it's not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2023-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA (FL)

SEE ATTACHMENT! 

Missouri Higher Education Loan Authority ( MOHELA ) Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Subject : Request for Account Verification and Compliance Documentation Dear MOHELA Customer Service , I am writing to request account level documents for my student loan account. Specifically, I seek to verify the amount owed and ensure compliance with Federal Law 15 USC 1681b ( 2 ). Additionally, I request proof of consent for sharing my nonpublic personal financial information with non-affiliate third parties, including credit reporting agencies.

Please provide the following : Account Verification : Please provide a detailed account statement that includes the principal balance, accrued interest, fees, charges, and transaction history. Include any recent transactions or adjustments to my account. 
1. Original creditor 's name and contact information.

2. Full account history with all transactions.

3. Details of interest or fees associated with the debt.

4. Proof of MOHELA authority to collect this alleged debt.

5. Agreements or contracts relevant to the alleged debt.

6. Verification of the debt 's accuracy, including the claimed amount.

Compliance with Federal Law 15 USC 1681b ( 2 ) : Confirm MOHELA 's compliance with Federal Law 15 USC 1681b ( 2 ) regarding the sharing of consumer credit information with credit reporting agencies. 

Consent to Furnish Information : Provide documentation demonstrating MOHELA 's lawful authority to furnish my financial information to non-affiliate third parties, including copies of consent forms or agreements.

I kindly request that you provide these documents within 30 days of receiving this letter. Failure to comply may necessitate further action on my part.

Please send the requested documents to : email address on file Thank you for your prompt attention to this matter. I anticipate your timely response. 

Sincerely, XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2023-10-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I was unaware that my credit card with synchrony bank was closed until I tried to log into my account to pay my bill and it would not allow me to log in, I called the number and was told my account was closed due to having a returned payment back in XXXX. I have bank statements to show that I did in fact make my payment in XXXX along with every payment every month. Ive always paid more than my minimum amount due every month since opening that store card. Ive never not paid. They stated that there is nothing they can do and it will now be reported on my credit as account closed due to dishonorable payment. Its is not fair that it will be reported this way when Ive always paid every month. And I have proof and bank statements that Ive always made my payments. I would like to dispute this report and show the credit bureau that there was no dishonorable payment. I also have paperless billing and get all my statements emailed to me. They said my account was closed on XX/XX/XXXX and received an email that day of my statement letting me know what my next payment was on XX/XX/XXXX nothing stating that I was in jeopardy of account being closed or that it was closed or anything. I will also attach a letter I recieved XX/XX/XXXX stating my payment for XXXX Was XXXX ( because I make my payments and often over pay I had no minimum. This account was closed for unfair reasons and needs to be reported correctly
Consumer complaint received 2020-03-19
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. (NV)

In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The following account currently listed and showing on my Trans Union, XXXX and XXXX credit report is a fraudulent account and the result of identity theft : XXXXXXXX XXXX XXXX, {$4000.00}, XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Account is not my account, a fraudulent account and the result of identity theft. XXXXXXXX XXXX XXXX Case Number : XXXX
Consumer complaint received 2023-10-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have setup recurring payments with my bank and Synchrony has received them. They are changing payment dates and reflection double payments in XXXX payment period and then saying I have not made payments and requesting fees. They are changing due dates for payments, not sending any notice of change and their online systems are never work so I am unable to every get any information about my account in any way. They only function the phone systems provide it to make a payment but nothing else.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (AL)

I received a process of garnishment from small claims court of XXXX XXXX. The docket number is XXXX. I never had anything or signed a contract with Midland Credit Management , Inc . The Attorney office is XXXX XXXX XXXX, XXXX. The amount is XXXX plus interest which totals to {$1000.00}. They are threatened to withhold 25 % of my wages.
Consumer complaint received 2024-04-04
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. (GA)

These companies accessed my credit report without my consent. A violation of my Rights, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
# XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX. XXXX XXXX Location XXXX XXXX XXXX XXXX, OR XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX - XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX The Companies Below ran my credit multiple times, some during the same day. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

On XX/XX/2023 a direct deposit was made into my Union Bank Checking Account for the amount of {$620.00}. On the same day this account was closed due to a bank conversion - Union Bank was now owned by U.S Bank ( Union Bank is no longer open or in service ). My employer has stated that Union Bank accepted the deposit and has not returned the funds. My Union bank account did not transfer over to U.S Bank and was closed. U.S Bank claims they returned the funds and provided me a return tracking number ( # XXXX ) but the funds were returned to Union Bank and not my employers bank. At this point there has been no resolution to retrieve the funds. 

They have claimed they can no longer help me due to the fact that I do not have an open account with U.S. Bank
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against XXXX and TransUnion for their failure to provide proper debt validation concerning a XXXX account, account number XXXX, which was purportedly opened in XX/XX/2013. Both of these credit reporting agencies are currently reporting this account as " charged off '' with a balance, which is not accurate. I have taken steps to rectify this issue, and XXXX has already removed this account from their records, further emphasizing the inaccuracy of the information provided by XXXX and TransUnion. 

My primary concerns regarding this matter are as follows : Inaccurate Reporting : XXXX and TransUnion are reporting the XXXX account, XXXX, as charged off with a balance, which is not only detrimental to my credit score but also entirely false. XXXX has already acknowledged the inaccuracy and removed this account from their records, and I believe that all credit bureaus should maintain consistent and accurate information. 

Lack of Debt Validation : Despite my repeated requests, XXXX and TransUnion have failed to provide adequate debt validation for this XXXX account. I have disputed the accuracy of this account, and both agencies claim to have validated it through XXXX. However, I have personally confirmed with XXXX that they are unable to validate the existence of this account, casting doubt on the legitimacy of the information provided by XXXX and TransUnion. 

False Address Association : The address associated with this XXXX account does not belong to me. This erroneous association further raises concerns about the accuracy and reliability of the information being reported by XXXX and TransUnion.
Consumer complaint received 2024-04-04
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. (MI)

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
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. (NY)

I DO NOT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX