davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (CA)

I called chime about my chime credit builder card because a charge had been declined. It was to XXXX XXXX  for XXXX a monthly charge that happens every month for the same amount, I opened a written request to customer service asking about the charge on XX/XX/XXXX and if it was from XXXX XXXX  and why was it denied or tried to charge when it was just charged on the XXXX of XXXX. Chime closed my card without my consent. When I called in I was passed around by four different agents claiming to be supervisors, the floor supervisors lied saying two charges were declined, they put words in my mouth I never uttered or spoke. My account has been compromised. Is what one floor supervisor said. They recorded me without my consent in California it is a two party state where my permission is required to record me. The last of the four people ho all claimed to be dispute supervisors except one young lady. They wasted my time asking the same questions as the person before when they knew that they could do nothing I requested which was turn my card back on that I did not give them permission to cancel. Now I can not use my card until I receive their new card and they have my money held ransom as it is a secured card so I cant access my actual cash I deposited into the account. When I asked XXXX for his last name initial he refused, when I asked for an employee Id number he refused he claimed to be the disputes supervisor and told me no one was hire than him to escalate to, he denied me a supervisor to report his poor customer service. When I asked for compensation for time without my credit card or my money he just spoke over me and kept trying to put me back into the que for member services. I asked to be warm transferred to a supervisor and he refused.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. 

As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXX, XXXX. After sending my information to the credit bureaus on the XXXX of XXXX.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. 

As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXX, XXXX. After sending my information to the credit bureaus on the XXXX of XXXX.
Consumer complaint received 2023-10-07
Product: Credit reporting 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2023-10-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I had ordered a riding lawn mower and I had cancelled my order from Lowe 's home center. 
This order was purchased via Lowe 's Advantage card. 
Upon completing my cancelation, Lowe 's wanted to force me to take 2 Lowe 's store gift cards which I never agreed to. 
I did call Lowe 's telling them that I don't want any gift cards and just want my account credited for the mower. 
Also Lowe 's customer service employees tried to convince me that I could just take the gift cards to the store and they will give me the money. The problem according to their website you are not able to get cash or pay any amount to your account.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XXXX Balance : {$24000.00} ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting correction of inaccurate late payments on my credit report for XXXX XXXXXXXX XXXX, covering XXXX, XXXX, XXXX, XXXX, and XXXX. The files demonstrate that monthly payments of {$520.00} were made, which contradicts TransUnion 's reporting. Following consultation with the creditor, they have requested removal of these late payments. Please verify the payments through the attached files.
Consumer complaint received 2024-04-04
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. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-04-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WASHINGTON FEDERAL BANK (WA)

It is inconceivable that Washington Federal ( XXXX XXXX ) had not disclosed the true costs of the loan, as the closing costs changed by more than 500 % within days of our expected loan closing date. 


We came to Washington Federal ( XXXX XXXX ) a construction loan to build a log cabin. One of these questions was whether we could use the appraised value of our land, which has not been in our possession for more than a year, rather than the purchase price. As our purchase price was in our opinion, and confirmed by Washington Federal, quite low, this was of critical importance to us in establishing the equity of our land. Washington Federal mentioned that Washington Federal believed our circumstance would allow us to use the appraisal price and Washington Federal would confirm with the underwriter. As a customer of the bank, we have no direct communication with the underwriter, and this issue was not brought up again by Washington Federal as a concern. We continued down the process of working towards the loan closing, paid for the appraisal, and provided documentation of 15 conditions set forth by the underwriter for the pre-approval process. These conditions required extensive work by us and we worked to complete these in a timely manner to ensure a smooth loan approval process. Within a week of our expected closing, for Washington Federal to inform us that the appraisal of our land could not be used was unprofessional and unethical. 

One of the loan requirements was to have a building permit. This required several thousand dollars of investment, so the project could be approved. We met this condition and submitted a copy of the permit to the bank, and then the terms of the loan changed, including the required loan to value ratio. 

On multiple occasions, we requested documentation of terms that were either verbally told to us or were documented differently than what was told to us. A loan professional, should not have waited for our request, but rather have documented any verbal representations immediately. For the majority of these requests, the documentation updates did not occur, and we were verbally assured by Washington Federal that it would be included at closing. For example, one item included a reduction in interest rate. As interest rate impacts our payments for a construction loan and subsequent 30-year mortgage, this item should have been documented and was not. 

Washington Federal charged us {$1100.00} for the land appraisal, over charged us {$200.00} did not send us a refund until we asked for a refund. If more documentation is needed for the complaint we will file at the time.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has 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 a account without my written instructions
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a couple emails about an attempt to open a bank account with Bank of America. This occurred on XX/XX/XXXX. I was also enrolled in mobile and online banking but the emails didnt have any account information. 

I then received an email stating the account couldnt be opened as a result of lack of identification. 

I tried calling the bank but couldnt make it past the automated systems. 

On XX/XX/XXXX, I received a statement in the mail for a short period from Bank of America, XX/XX/XXXX to XX/XX/XXXX. There wasnt a balance in the account. 

I tried calling again but couldnt make it past the prompts without my social security number. I refused to enter that.
Consumer complaint received 2023-10-07
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. (TN)

I have inquiries on my report I did not give authorization to. Please block and delete these inquires. I also have extra names and addresses that does not pertain to me. 
Please block and delete the following : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Unauthorized Inquiries : CXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Resident Verify XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inaccurate Extra Names : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX only name is : XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX All other addresses must be deleted. I don't want my personal private info sent to the wrong address for a person to see.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed an incorrect balance from : XXXX XXXX XXXX XXXXXXXX. Account # XXXX A 1099-C was issued, taxes were paid, and thus, by law, this balance should be corrected to {$0.00} and/or removed from my credit report. ( See 1099 attached ).

Delete the above-referenced account from my consumer report, this agency is in violation of 15 USC 1681.

The Fair Credit Reporting Act ( FCRA ) provides for actual damages, statutory damages for willful or intentional conduct that violates the FCRA, and punitive damages for malicious conduct harming a consumers credit or reputation for creditworthiness. 

Furthermore, the FCRA provides for the recovery of attorneys fees and costs to the prevailing consumer ( paid for by the creditor or bureau ). 

Therefore, failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking at least {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and many more!
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (CA)

This company continues to call me after I sent them a certified letter asking them to stop. They refuse to address the Illegal or unethical communication tactics. The Excessive phone calls must stop.They have continued to try and collect a debt I do not owed.All of these reason violates FDCPA.

Furthermore, they refuse to address the issue of their violation and simply mark this as a duplicate complaint. Im going to refrain an attorney if they do not stop calling me.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. I am expecting that this will be repaired ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
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. (NV)

XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX is violating my rights by listing late payments per fcra 15 u.s. code {$6800.00} Obligation with respect to disclosure of personal information. 
third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 u.s.c. 1681a ( 2 ) ( I ) 15 u s. Code $ 1666b timing of payment
Consumer complaint received 2023-10-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2023-10-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-21
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. (TN)

I submitted a dispute for an account on my credit that I do not own. I do not have a signed contract with XXXX XXXX XXXX, nor has any documentation been provided. They have never loaned me any money. This account needs to be removed from my credit immediately.