davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
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. (MO)

XX/XX/2023 Hello, Good Morning, I hope your doing well. 

Request for Immediate Deletion of Charged-Off Account Pursuant to Metro 2 . 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to you regarding an account that is currently charged off in my credit report. I kindly request your assistance in facilitating the immediate deletion of this account from my credit history in accordance with the Metro 2 guidelines. 


According to the Metro 2 guidelines, specifically Section 605, the credit bureau has the ability to delete or update information reported.I have provided it is inaccurate or no longer relevant. I firmly believe that the charged-off accounts mentioned above can be deemed as inaccurate and obsolete, warranting its prompt removal from my credit report. 

In support of my request, I would like to highlight the following reasons : 1. Inaccuracy : Upon thorough review of my credit records, I have discovered several discrepancies and inconsistencies pertaining to the reported details of the charged-off account. I believe these inaccuracies may have arisen due to data entry errors or miscommunications. 

2. Verification : I kindly request that you validate the authenticity and accuracy of the information reported for the mentioned account. As a consumer, I have the right to request verification of any data affecting my credit report. 

3. Timeliness : The deletion of this charged-off account is of utmost importance to me, as it is negatively impacting my creditworthiness and hindering my ability to secure favorable credit terms. I kindly request that you expedite the resolution of this matter within five ( 5 ) business days, as allowed by the Metro 2 guidelines. 


I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

Please be advised that, as per my rights under the Fair Credit Reporting Act ( FCRA ), I will monitor the progress and outcome of this request closely. In the event that the requested actions are not taken within the specified timeframe or if the account is not found to be inaccurate, I may be compelled to pursue further remedies available to me under the FCRA. 

I appreciate your understanding and cooperation in addressing this matter promptly. 

Thank you for your immediate attention to this request. I look forward to a swift resolution of this issue.
Consumer complaint received 2023-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Comerica (CA)

My Name is XXXX XXXX. In XXXX I was laid off from my employment with XXXX XXXX XXXX where I worked for more than 11 years as a XXXX XXXX. After just a few months I ran out of my savings and was forced to fall behind on my Home Equity line of credit with Comerica Bank. After just a few short months I was offered a loan modification. After completing and submitting the modification package to the bank I never heard from anyone again until XXXX day I received a notice of default and a sale of my property. I would like a representative from the bank to contact me to discuss alternative options and to save my home that I have lived in since XXXX. XXXX XXXX XXXX XXXX and can not afford to lose my home and end up on the streets. Please help me to get in touch with the home retention department. I have tried to speak with someone since XXXX XXXX  XXXX.
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Was financially impacted by Covid, missed a payment for Care Credit which I had to get because of the Covid virus didnt have funds available. The account was closed 2 Months later for no apparent reason tried contacting the supervisor about my account she had a horrible attitude and basically told me to kick rocks. As a retailer who offers synchronys card I would hate for anyone to obtain it and is no longer going to recommend it either.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I deposited a {$550.00} USPS money order XX/XX/XXXX at Bank of America. I asked the person that processed my deposit if there was going to be a hold and they said no money orders are not put on hold. The attached receipt does not state a hold. When I arrived home, I accessed my email and there was a notice that a hold had been placed on my deposit until XX/XX/XXXX. I accessed my BOA account, and it stated the funds would be available the next day. This morning the message in my account changed stating there is a hold until the XXXX. Everyone I talk to at BOA states money orders are not placed on hold. I called the XXXX GA branch ( XXXX ) XXXX and they transferred me to the holds department she said she would call me back in a couple of hours to make sure the issue was resolved, but my phone has not rung yet. I was transferred to the Hold Dept. ( XXXX ) XXXX. The employee I spoke with stated she tried to remove the hold but could not. The rep stated she was going to escalate the removal of the hold. I was then advised it could take 24-96 hours before the issue is resolved. I have been with BOA for 30 years and there have been no problems with my account. 

As I told the employee that advised me it could take 24-96 hours, I would charge BOA 29.50 % interest compounded daily until I am made whole.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XXXX XXXX XXXX PORTFOLIO RECOVERY, I HAVE BEEN HARRESSED BY THIS PORTFOLIO RECOVERY SINCE XXXX-XXXX WEEKLY THEY SEND OUT MAILINGS DEMANDING XXXX DOLLARS FOR XXXX XXXX THAT WENT OUT OF BUSINESS. THE SAME GIRL USING DIFFERENT NAMES CALLS AND DEMANDS PAYMENT. THIS WAS DISCHARGED IN BANKRUPTCY, MY ATTORNEY XXXX XXXX HAD CALLED AND NOTIFIED THEM CONSTANT. TO NO AVAIL, I AM CONSTANTLY HARRESSED.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is provided on my attached ID and this complaint. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current addresses is also on my attached license. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is on my attached license. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any telephone number and I do NOT desire any other telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IN)

I have sent them all the documents, emails, phone calls, and chats for a week and they still do not want to unlock my account. Even when I was told I will be out of my hotel room by XX/XX/2023 and have any money for food, laundry, pay for my room, and to ride the bus. I can't even put my checks in my account to cash and I fled from XXXX XXXX. They still did nothing. I will be homeless or forced to go back to the XXXX place I just left because of them. 
Email dates : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX, XX/XX/2023 XXXX XXXX  Phone dates : XXXX, XXXX, XXXX, XXXX Chat dates : XXXX If you need more please contact me ASAP.
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: Experian Information Solutions Inc. (GA)

Re : XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-11
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 (NH)

On XX/XX/23 a charge was made on my account for {$370.00}. This charge was supposed to be refunded back to me on XX/XX/23 yet no funds have been received and the bank is saying I wont be getting any funds. Ive banked with Chime for 4 years and this is the first issue Ive had and the first time Ive actually needed help. I need this money back asap Im astonished Chime wont give me my funds back. Im getting scammed by my own bank and by VIP Auto
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (PA)

On XX/XX/XXXX, I contacted Chime about a refund I was supposed to receive from a company. I have several emails from said company stating I was due this refund. When it didnt come on XX/XX/XXXX, I called Chime to issue a chargeback on this because I absolutely needed the money back that day. 

XXXX XXXX XXXX, and that was the last day I was able to buy supplies for my biggest signing of the year. I provided Chime emails from the company stating I was due the refund. Not an hour after I sent it, I was informed by Chime that the proof I submitted wasnt good enough. I was now unable to attend my biggest signing, buy books and supplies for said signing, and am now out over {$1000.00} in lost income. I dont know who determines the outcome of this, but I also received an email saying that while I was not refunded initially, I should have been on XX/XX/XXXX, causing the lost income. 

On XX/XX/XXXX, while having an active spotme feature, I deposited XXXX into my account. Due to a system error admitted by Chime, the money I deposited became unavailable for me to use. I have had several supervisors admit this was a fault on chimes part, but no one wants to refund my money. I would like this money back that everyone admits is mine, but wont refund to me.
Consumer complaint received 2023-04-02
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)

I have 3 inquiries on my credit report that I did not authorize and 1 open personal loan account that I did not apply for.

The 3 inquiries are as listed ; 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX XXXX XXXX for {$27000.00} was obtained on XX/XX/XXXX with XXXX XXXX XXXX. 

I disputed fraudulent account and inquiries.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I am unable to log into my experian account and it shows a wrong tel number and wrong address in Ohio and I emailed to their support there and no replies and no way to reach them by XXXX XXXX XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX  Help us verify it's you Your security matters to us, so please confirm your identity first. 
We'll send a XXXX verification code to the phone number on your account. 
XXXX XXXX XXXX XXXX XXXX XXXX Prove it's you another way Enter the phone number listed above ( XXXX ) XXXX How would you like us to send you the code? 
Text Message
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/year>2024 I sent a letter regarding inaccurate and unknown things on my consumer report. to this day over 45 days later I have not received a response as of yet. I feel like my disputes are being ignored and im being taken advantage of. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report it has been XXXX  days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-03
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
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. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

In accordance with the Fair Credit Reporting Act this creditor, XXXX Account XXXX has violated my rights under 15 USC 1681 section 6 0 2 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 instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-16
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. (FL)

Complaint Regarding Inaccurate Reporting and Handling of Disputed Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their inaccurate reporting and mishandling of a disputed account, which has resulted in negative consequences on my credit report. Despite my repeated attempts to rectify the situation, the creditor has failed to address the issue appropriately. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Account Status : Derogatory Type : Secured credit card Responsibility : Individual Remarks : Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late : XXXX Account Opened : XX/XX/XXXX Account Closed : XXXX XXXX, XXXX Payment History : Credit Limit : XXXX XXXX Monthly Payment : {$0.00} Last Payment : XXXX XXXX, XXXX Current Payment Status : In Collections/Charge-off Amount Past Due : {$180.00} Worst Payment Status : No Info I have taken the following steps to resolve this matter directly with the creditor : 1. Contacted the Creditor : I have reached out to XXXX XXXX multiple times to dispute the inaccuracies in the reporting and request a correction. However, they have been unresponsive and have not taken any action to address the dispute adequately.

2. Sent Dispute Letters : I have sent written dispute letters to the creditor, clearly outlining the errors and providing supporting documentation to substantiate my claims. Unfortunately, they have not acknowledged or responded to any of my correspondence.

3. Requested Assistance from Credit Bureaus : I have also contacted Experian, one of the major credit reporting agencies, to dispute the inaccurate reporting. While I am awaiting their investigation results, I believe that the involvement of the Consumer Financial Protection Bureau is necessary to ensure a fair and timely resolution.

The creditors failure to address the inaccuracies on my credit report has had significant negative consequences on my financial well-being and creditworthiness. Despite my best efforts, I have been unable to rectify the situation through direct communication with the creditor. Therefore, I am turning to the Consumer Financial Protection Bureau to seek assistance in resolving this matter.
Consumer complaint received 2023-05-18
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)

I have found the following inquiries on my credit report recently, none of which I have authorized. I have frozen all 3 credit bureau 's until this is resolved. I want all of these deleted as this is inaccurate reporting and negatively effecting my life and my ability to get a home for my family. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-16
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. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!