davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. ()

In the name of XXXX few people made a huge trap and XXXX XXXX they are looting targeting women 's only. 
i am one of them and i have connected the bank once i got to know about fraud and with in 3 days bank and cyber crime has been reported. 
My bank XXXX and CITI bank not even taken action against fraud and XXXX and XXXX XXXX  have nearly XXXX customer who involved in the fraud/scam. 
from 2 months working with all bank but not even single bank shown reposibility. 
Police e mails has been ignored by all Banks.
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (NJ)

I have contacted creditors with phone numbers provided. They say they do not have the ability to remove inquiries and to contact credit bureaus. Credit bureaus tell me to contact creditors. These are unauthorized and fraudulent!! PLEASE REMOVE THEM ASAP. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-05
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: Bread Financial Holdings, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX and Comenity Capital/XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is Comenity CapitalXXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-12-23
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-24
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. (TN)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-02-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK (MO)

On Tuesday, XX/XX/XXXX, I withdrew {$200.00} from a prepaid card at a Commerce Bank ATM and received XXXX {$50.00} bills. I immediately used my Commerce Bank debit card to deposit these funds into my checking account. The machine malfunctioned and gave me a receipt stating that there was an error processing the request and to call the Customer Service number for the bank. I called the number while at the ATM and spoke with a gentleman who advised that it would take 3 days for the bank to investigate. On Thursday, XX/XX/XXXX, I called the Customer Service number for an updated stated and was advised that it could take up to 10 days for the investigation to be complete and that if I have any questions, to visit the branch. I went directly to the branch and spoke with an assistant manager, who said that she would try to have the {$200.00} deposited into my account and that she would call me by end of day. I did not receive a call from her and the funds have not been deposited into my account.
Consumer complaint received 2022-12-23
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instructions XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX # XXXX {$800.00}
Consumer complaint received 2022-12-23
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. (MD)

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 XXXX Credit Card, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

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 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Special Loan Servicing, my mortgage processing company, still after 7 months, has not corrected wrong late payment report on my credit bureaus records. This wrong report has been taking a big toll on my credit, my financial situation and my ability to get favorable rates on my revolving credit. 
I have been sending over 6 or 7 complaints regarding the abuses from Special Loan Servicing. Do I need to attach all my previous attachments proving that I started payment immediately after my forbearance ended. I never missed any payment and I never had any late payment. Still in my XXXX account it wrongly shows I have 1 30 day late, 1 60 day late and 4 90 day late payments. I never paid any payments late and I never missed any payments. Please help. I am sure I am not the only one complaining about Special Loan Servicing. PLEASE HELP!
Consumer complaint received 2023-08-08
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 (CA)

I was trying to contact Chime, as I bank with them, and needed some documents. So I XXXX 'chime support ' and called the first number that popped up. 

The number I called was XXXX, they answered XXXXChime support ', how can I help you. I explained what I was calling for, and they said, in order for us to help you, we need to verify your information. So I said sure no problem. Then they had me tell them my information, such as social, phone address, etc. Then they had me download a sharing app, and they said I had to do this for verification, so I kept proceeding. I downloaded the sharing app, and gave them the numbers, then they were able to see my phone. I seriously thought I was talking to Chime the whole time. Then they also had me 'transfer my funds to an e-mail. They kept saying i had to do this for verification. and they would send it back, as they have IT on the other line as well. They were very smooth, and just took my money and did not send it back. I was duped, and didn't know, 'till it was too late! They took all my money! 


So then, I went through the Chime app, and tried to dispute it, I explained through e-mails and phone calls to the bank, explaining what had happened. They keep denying my dispute and will not give me my money back. I have disputed it 4 times with Chime, or XXXX XXXX XXXX, and they keep denying me. 

I'm the victim here, I really thought I was talking to Chime, and was scammed, and now Chime won't help me with getting my money back! 

They are just as bad as the XXXX  who stole from me! 

The scam phone number was XXXX, the e-mail they had me transfer the money to is XXXX. 

I just want my money back that the XXXX stole from me, and Chime should be obligated to give it back! 

I have never sent money to this person before, they scammed me. 

I have already reported it to the XXXX  and the FBI.
Consumer complaint received 2023-01-24
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. (FL)

Once again, I never received any of the requested documents I requested previously, yet Equifax continue to report these violation accounts on my credit report. EQUIFAX STATED THEY GOT THEIR INFORMATION FROM A DATA FURNISHER. I DON'T KNOW THIS COMPANY!!! 
As of XX/XX/2021 the FDCA laws for collection companies went into effect. This collection company is practicing Parking on my credit report which is illegal. I never received a model form XXXX or any notice they were going to place this account on my credit report. Equifax deleted these accounts then months later placed it back on my credit report without proper notice to me. 

Upon challenging these, XXXX and XXXX immediately deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate. But yet Equifax refuse to provide what they received from Collection Bureau.

I did not provide a signed contract nor signed HIPPA release giving Collection Bureau permission to discuss my medical with anyone. In accordance with the Fair Credit Reporting act Collection Bureau has also 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. 

These are the accounts reporting on my report Equifax reinserted back into my credit file without proper notice. 
XXXX XXXX - {$37.00} - XXXX XXXX XXXX - {$39.00} XXXX XXXX XXXX - {$50.00} - XXXX XXXX XXXX - {$71.00} - XXXX XXXX XXXX - {$130.00} - XXXX XXXX XXXX - {$170.00} - XXXX I NEVER GOT ANY OF THE INFORMATION REQUESTED BELOW!!!! Equifax just keep stating the law, it supposed to stay on my credit for XXXX years. I understand this but I need documentation for XXXX XXXX to justify. 

Please submit proof I accepted their XXXX terms, the original purchase agreement with my signature that shows XXXX XXXX is the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement, HIPPA documents with my original signature for each account, original application and all statements from open to close or remove this illegal account.
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  UNITED REVENUE CORP  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PROSPERITY BANCSHARES, INC. (TX)

I had a prior issue that was resolved around a month ago. I tried closing my checking account because of unwarranted fees. After resolution, the representative I spoke to agreed to close the account after my fee situation was rectified and I was able to XXXX  out the account balance. It has been over a month and the account has not been closed yet. I called customer support to see why this was the case and they are now unwilling to close my account demanding I go to one of their branches to do it despite them already having agreed to close my account. I am tired of dealing with this terrible bank. Please ensure closure of my account.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc (CA)

I have available funds on the card but when I go into a store to make a purchase it is DECLINED. I have contacted the phone number on the back of the card and it states that it has a XXXX balance. On XX/XX/2021 I had full benefits on the card and up to this date I have yet to be able to retrieve the funds or use the card without an issue of it being declined.
Consumer complaint received 2022-12-23
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. (SC)

Creditor : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (FL)

I've made several attempts to ensure I did not miss my due dates : XXXX/XXXX  payment methods does not allow multiple auto payment schedule dates. ThIs company Website only allows one payment schedule per month. This practice leaves customers/consumers open for miss payment and incurring late fee payment. Thus increasing the debt owed and the balance never ending. 
Calling customer service only credit one late payment fee. I was just recently been able to set up an additional auto payment with my bank 's new-bill pay option. This has caused me to make two monthly payment per month. I want to them to facilitate my & everyone 's payment options like other financial institutions allow. 
Below is a breakdown & actual bill statement also attached Please note the following. 
XXXX {$25.00} payment XXXX {$25.00} payment & XXXX {$27.00} late fees* XXXX {$27.00} payment XXXX {$25.00} payment XXXX {$27.00} payment XXXX {$25.00} payment = note I established two separate  payment option in XXXX for XX/XX/XXXX paymen & I still received a late fee in XXXX. 
XXXX {$25.00} payment XX/XX/XXXX {$25.00} payment XXXX {$37.00} LATE FEE XX/XX/XXXX {$25.00} PAYMENT XXXX {$27.00} LATE FEE XXXX NO PAYMENT XX/XX/XXXX {$27.00} PYMENT XX/XX/XXXX {$25.00} PAYMENT XX/XX/XXXX {$27.00} LATE FEE CREDIT FOR XXXX XX/XX/XXXX {$27.00} PAYMENT XXXX 27 LATE FEE 10 You will notice two payments made per month. This was established with my personal banking instituion to set AUTO PAYMENT to avoid late payments & its late fees. Since XXXX and I havent been back to However I was not able to go back to the CREDIT=XXXX/XXXX  TO STOP MY MONTHLY DOUBLE PAYMENT.Since this insititution does not accommodate multiple schedule on their website. Now I'm paying this bill twice. In as much as my debt with this institution will end faster. I am on a tight budget and can not afford to make double payments. 

I've establish the two bank payment due to XXXX/XXXX not allowiing multple payment dates thus causing me to miss scheduling a payment on time.and incurring late fees. i established the second bank bill pay option to avoid late fees in XXXX. In XXXX i received a late fee. 

Please this account is causing me undue stress and can very well be affecting my credit score due to their outdated payment system. as I attempt to make all my outstanding bill monthly payment on time with auto pay until my balance is paid in full.
Consumer complaint received 2022-12-23
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. (OK)

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  # XXXX, Account name : XXXX 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 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
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (NY)

I sent a letter to Caine and Weiner Company Inc on XX/XX/XXXX certified mail and I never got a response. 
USPS # XXXX They are attempting to collect an alleged debt I do not owe. 
They are not even licensed in New York State and pursuant to New York regulation rules states that a debt collector have to be licensed in New York State to even attempt to collect any debt from a New York City resident.

15 u.s.c 1681 section 602 A States I have the right to privacy.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

According to 15 U.S. Code 1681c2, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

On XX/XX/XXXX, I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my 2nd demand for removal. If not corrected, the next step will be legal action. 

Remove and block the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery refuse to update account with XXXX credit bureau even though they promise to remove a debt I did not have with them. I was never shown a validation letter. I paid and settled account with portfolio recovery because they were purposely reporting incorrect information as far as debt owed. Portfolio recovery continues to submit inaccurate information not updating the letter of settlement although they are not original debt. The have been stalking my account since XXXX with no permission because my credit profile was locked. When I complained they deleted inquiries dating back to XXXX to cover the paper trail. Portfolio recovery knowingly took a settlement amount from me when I was already deleted on XXXX and XXXX on XX/XX/XXXX