davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I filed a complaint because incorrect information, including incorrect names and addresses, was appearing on my credit report. 
My birthdate is XX/XX/XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. My legal name is XXXX XXXX XXXX. My phone numbers are XXXX and XXXX. I have been residing at my address for the past 18 months. XXXX XXXX XXXX, XXXX XXXX, TX XXXX is where I used to live.
Consumer complaint received 2022-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX the consumer sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days I still have received anything back. 

According to 15 USC 1681i ( a ) X1XA ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation or mv rights
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I, the consumer and natural person never gave consent to Experian, XXXX, and XXXX to sell my information to collectors and debtors! I, the consumer and natural person never submitted a document stating what I want to be reported on my credit report! These Credit Bureaus have been selling my information for years without my consent, Ive sent multiple letters in demanding them to remove inaccurate information from my report, inaccurate addresses, and also other people addresses are reporting on my file! I have many inquiries on my report but I havent not received any products or services, since my social security number was used ( credit card ) this is really damaging my ability to get a home as Im being discriminated against for not having a certain number, I cant get an vehicle for my own personal use! This has caused so much DAMAGE as I was unaware that my information is being sold without my consent! Its all fraudulent! I will like to be compensated a clear consumer report and also to be compensated {$250000.00} for damaging of my property and using my signature without my consent!
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 15 U.S.C 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 2022-12-06
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am XXXX. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I lost my debit card and found lots of fraud transections on my account. I called the capital one customer service phone number immediately. The capital one customer service automatic phone system said their office is closed and asked me to call back during regular business hours. I contacted them during business hours to set up a fraud claim. The customer service agent mistakenly set up two separate claims for this incident. I got the email confirmation for the claim on XX/XX/2022. Claim numbers were XXXX and XXXX. On XX/XX/2022, I got email from capital one saying that they denied my claim. I called them about the claim on XX/XX/2022, and they told me since it was chip enabled transections, capital one is unable to retrieve funds from the atm. They said they are sorry about this but they are unable to retrieve my funds back for this fraudulent activity on my account. I asked the customer service agent about their 0 fraud liability policy and he said the only thing he can do is to file a compliant. They give me a compliant number XXXX.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IL)

XXXX of XXXX, and XXXX of XXXX ( possibly XXXX in usa as I am in XXXX at the moment ) I have tried to make international transfers which were denied because of pnc trying to call a phone number that was not in service which is not linked to my bank accounts and has not ever been. 

Another transfer was attempted, then put on hold for further information needed, information was given, and I was never given a response confirming the transaction and I was contacted by my friend this week that the transaction was successful despite me not being notified.
Consumer complaint received 2024-03-10
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 (NY)

I had an account with Chime. I asked for a replacement debit card, several times. Always being told by the app that my new debit card is on the way. This went on for months. My direct deposit of my monthly social security payments would normally be deposited to the debit card account. When Chime failed to send me a new debit card I had no choice but to switch over to my credit card account. Only because I had bills to pay and had been trying for several months to get a new debit card. When I switched to the credit card account I placed only my monthly benefits on the card. I also only spent what I put on the card. They are saying I now owe them over {$1200.00}. This has caused me to get denied for housing, loans and credit cards. My score is constantly affected by this debacle.
Consumer complaint received 2022-12-13
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. (CA)

This is my 3rd 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-28
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. (PA)

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 2023-01-04
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. (FL)

To Equifax, After reviewing my consumer report today XX/XX/2023 i noticed your company is reporting an alleged medical debt from XXXX XXXX XXXX. This is direct violation of HIPAA privacy rule as i never gave XXXX XXXX XXXX any written documentation to release my personal medical information to you or anyone else. 

I request this account be permanently deleted immediately. 
Or Provide me documentation within 30 days of this notice, showing my written request to release my medical information to your company. 

Regards, XXXX
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

On XX/XX/XXXX, I filed a dispute with Chime for a XXXX  transaction and received a Provisional Credit for the amount. On XX/XX/XXXX, I received an email stating that Chime had found nothing wrong and would reverse the Provisional Credit, On XX/XX/XXXX, Chime reversed the credit and it was successfully deducted from my account. Fast forward to XX/XX/XXXX, I noticed that the dispute had still not been closed despite the Provisional Credit Reversal, I then requested to cancel the dispute. It was closed per my request, that is until I found out Chime had charged me again for another Provisional Credit reversal on XX/XX/XXXX despite the original setback on XX/XX/XXXX. I had received an email about the matter but brushed it off and deleted the email thinking they wouldn't recharge me again as they had already done back in XXXX. I called them at XXXXXXXX XXXX on XX/XX/XXXX about the matter, and a representative said they would escalate it and the issue should be resolved in about 24-48 hours, I then called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all representatives I spoke to stated they would contact the Investigation team and reach out to me shortly. I have not received an email or phone call about the matter at the time this complaint was sent.
Consumer complaint received 2022-12-06
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-19
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/ My account was closed by the Bank of American without reason. 
There is no weird transaction in my account, they all are normal transaction including XXXX and airflight tickets. 

Even though I called customer services and they can not provide any information. 
All I was requested to do is wait. I just want to withdraw money.
Consumer complaint received 2023-07-28
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 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 2023-07-28
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. (MA)

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 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 2022-12-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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
Consumer complaint received 2023-07-28
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. (FL)

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 third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I've already sent several letters to the creditors asking them to remove these late payments yet they have not abided by what I have requested. They also have violated my consumer law because they never gave me the option to opt-out out of reporting this information to a third party. 

According to 15 US Code 6802 b, which states that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information may be disclosed to such third party. 

Date of late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account : XXXX XXXX Account number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Date of first charge-off payment : XX/XX/XXXX The account was closed in XX/XX/XXXX ; additional late payments were added after the account was closed in XX/XX/XXXX Account : XXXX XXXX XXXX  Account XXXX
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP ()

I have lived in XXXX for XXXX years. 
I initiated wire transfer of my SS deposit from Union Bank of California, monthly to my XXXX bank. 
Union Bank was recently acquired by US Bank. 
US Bank said they would still offer Transfer of funds from US to foreign accounts. 
What they did not tell me was I must initiate such service in person at a domestic branch. 
On XX/XX/XXXX, I received a letter from US Bank indicating they do not offer international wire transfer. 
I am unable to access my SS funds which are deposited to me on the XXXX of each month. The US Bank customer service representatives were not able to help. 
I had my brother visit a branch, on my behalf to find accomodations. 
They told him there is nothing they can do. 

I have no alternative way to get my money. 
I ask you to persuade US bank to allow me one final transfer to cover my needs until I can request Social Security to deposit to another bank.