davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I have been a member of Chime ; The XXXX XXXX  for over 10 years. On XX/XX/2022 Chime sent me an email stating they were closing my savings account. Later noticed my checking and credit card accounts were closed also. They stated I would receive a paper check in mail in 30 business days. Rent is due XXXX XXXX and I had JUST got paid. I am at risk of being homeless with my XXXX kids; didn't have no money to feed them and my utilities are pending disconnection. This has been VERY inconvenient ; did not provide any other option for disbursement of remaining funds. And credit score has decreased dramatically. I do not have an exact or specific reason as to why. Upon attempting to resolve with them they KEEP sending robotic emails saying same thing. Strongly believe I'm being discriminated against
Consumer complaint received 2017-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (OR)

Initially I applied for what would have been a     3rd Pr osper lo an, having paid off    XXXX     already in years past and having the  2nd    almost 50 % paid off. In other words, a good   history with h Prosper with  no late payments and a solid credit file.     I qualified for up to {$13000.00} and elected to borrow {$10000.00} at 17.9 % apr, with a shorter term.     I fulfilled all the requests for documentation. I supplied salary stubs,  my 2016    XXXX  , and  XXXX  from income received from my   XXXX   XXXX   that I recently started back up.     I received a call from a  Prosper loan specialist a nd was told that I could either not include the  XXXX  income because  Pros  per could n't in clude it for some odd reason. I was told I had to reapply and state I was  XXXX  in order to have BOTH sources of income considered. I then stated to forget the  XXXX  income as in past years I had qualified for $  10,000+ on  my  XXXX  income alone. The loan  specialist said it di d n't matter, either way I had to reapply. This made absolutely no sense.     I then received a message that my loan had been denied because  Prosper  " could not verify my income '' despite having current pay stubs,  2016     XXXX  and  2016     XXXX . This is an outright falsehood.     When I went to reapply as instructed I only qualified for $  XXXX  {$9500.00} and now the interest rate jumped to 22.35 % to 34.01 %, depending on the term.      Prosper did something similar on the very first loan I took out. Now that it 's happened a second time I see the scam. Prosper denies applicants a loan AFTER its pulled a hard inquiry, which drops the applicants  XXXX  score. It then offers an outrageous rate and uses the excuse of the applicants   XXXX   sco re, which its done damage to with the hard inquiry.     This is unethical and shoul d be illegal. Prosper was pe rfectly capable of verifying my income initially and the fact that it doubled the rate speaks to its lack of ethics and truth in lending.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I called Bank of America  on two s eparate occasions to discuss  (  4  ) overdraft charges totalling {$140.00}. Both representatives refused to refund any of the fees and basically said that the bank has an automated system that decided who gets fees back and who does not. I was treated very poorly and kept on the phone  for 30 minut es only to be told they could not help me. I have since cancelled all direct deposits to the account and am in process of closing it. That bank is disgusting.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX 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 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My husband and I experienced financial hardship during the National Pandemic due to XXXX. I myself was unable to work due to shelter in place orders and my husband and I both contracted the virus which forced us both to quarantine XXXX times that year. During the year of XXXX we had XXXX late payments reported the Credit Bureaus for the months of XXXX, XXXX and XXXX. We spoke with representatives from the company at that time and they still reported late payments after we promised to make payments and fulfilled those payments. We have made on time payments consistently since XXXX of XXXX  and when contacting them again today, I was told that there is nothing they can do to assist us and that we would have to go directly through the credit bureaus.
Consumer complaint received 2023-06-08
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. (LA)

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. 

The letters are stated with items and issues. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from TRANSUNION Credit Bureau that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that TransUnion Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX ( Original Creditor : AT T ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$86.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2024-03-23
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. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
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 — Account information incorrect
Company: SYNCHRONY FINANCIAL (ME)

Subject : Complaint Against XXXX XXXX for Failing to Adhere to FCRA Requirements Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX  regarding their failure to adhere to the requirements outlined in the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has inaccurately reported a debt from a non-existent creditor, Synchrony Bank, which is causing significant harm to my credit profile. Despite my repeated attempts to rectify this issue, XXXX XXXX continues to report this erroneous information, claiming that I have a XXXX XXXX XXXX with Synchrony Bank, when in fact, my credit card is with XXXX XXXX. This continued inaccurate reporting constitutes a violation of the FCRA. 

Under the FCRA, debt collectors are obligated to report 100 percent accurate information, including the names of the creditors, on credit reports. XXXX XXXX failure to adhere to this requirement is evident in their reporting of a non-existent debt with Synchrony Bank, thereby damaging my creditworthiness and causing unwarranted distress. I have clearly communicated to XXXX XXXX that this information is inaccurate and have requested a dispute, yet they persist in mailing me statements from XXXX XXXX, which confirms the fraudulent information being reported. 

The FCRA was enacted to protect consumers like myself from such inaccurate reporting by debt XXXX. It is imperative that XXXX XXXX rectifies this violation promptly and removes the false debt associated with Synchrony Bank from my credit report. Their continued disregard for the FCRA provisions is causing me significant financial and emotional distress. 

I kindly request the Consumer Financial Protection Bureaus intervention in this matter to ensure that XXXX XXXX is held accountable for their violations of the FCRA. I ask that you thoroughly investigate this issue and take appropriate actions to rectify the inaccurate reporting, including the removal of the negative information from my credit report. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureaus commitment to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to a prompt resolution of this issue. 

Sincerely, [ Your Name ]
Consumer complaint received 2017-05-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Recovery Solutions (NY)

Recieved several threatening phone calls to my mother 's phone 's and mine from  United Recovery Services to contact them or they would garnish wages and contact by Human Resources depa rtment. When requested written verification of debt by mail nothing was never received by mail or reported to any of the credit bureaus.
Consumer complaint received 2023-03-10
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: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It 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 an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-30
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. (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.

The letters are stated with items and issues.

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 XXXX 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 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

A family member sent me a copy of a debt from a deceased parent. 
Was told over a year ago we were not responsible for the debt. 
Stop us from being bothered by XXXX.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For more than a year, Capital One Credit XXXX. XXXX XXXX XXXX VA XXXX has been sending me someone elses credit card info via my email address 'XXXX '. I have received emails from the time they applied, was approved, was late, made payments, etc, all to MY email account. The person 's account # ends in XXXX. I do not have a capital one credit card account. Furthermore, I am not sure how capital one even got this particular email address. I have ran a check of my credit and there was no indication that my credit was hacked. I have not capital one credit card account and nothing supiscious is on my credit report. I have been calling, emailing, and writing capital one for nearly a year concerning this issue. I have also filed a complaint with BBB but that turned out to be a waste of time. They, capital one, should thank me that I am not a criminal with the the info they have sent to my email address. I would like for capital one to cease sending me this person 's private info. This has to be a violation of privacy issue among other things. I am tired of the run around between the BBB and capital one. This is not my account, I have no credit card account with capital one and they need to cease from sending me this persons account data. The sent me another email today, XXXX XXXX 2017.
Consumer complaint received 2017-05-03
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ECMC GROUP, INC. (NH)

Numerous calls about student loan default for someone else with the same name. I have never held any student loans. Did n't use second identifier ( such as date of birth ) when contacting my place of employment to verify employment. Continues to call and leave messages even though they have been told they have the wrong person and verified that the birthdate was different with the person they are looking for, and was requested to stop calling. Will not stop calling. Harassing behavior.
Consumer complaint received 2024-03-23
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. (PA)

XXXX XXXX XXXX XXXX Account-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. ( Between XX/XX/2024 and XX/XX/2024, your XXXX XXXX collections account was removed from your credit report.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (NV)

Account name : XXXX XXXX  Account number : XXXX I requested a thorough re-investigation on XXXX XXXX via certified mail for all 3 credit bureaus. This account is mine. My wife opened it up in XX/XX/XXXX as suggested when we were applying for a mortgage. I am only an authorized user. I did request that all dates, balances, numbers, payment history, etc. be verified and updated from all 3 bureaus, but there were inaccuracies still found on the new credit report for XXXX XXXX, XXXX. A few being that XXXX shows absolutely no data on the report, only on payment history, which are violations automatically. Balances, Date last reported, High credit, Credit limit, and all are not being reported the same from each bureau, which makes every line a violation according to FCRA. The account is paid in full by due date every month since weve had it, but XX/XX/XXXX and XX/XX/XXXX is not showing any data for it. Not only that, but my wifes credit report that was pulled also on both dates ( XXXX XXXX and XXXX XXXX ) is showing differently than whats reported on my account for XXXX XXXX. 

Im not asking that the account be deleted, just corrected, and monetary relief for the violations. It seems small, but because of credit issues, I no longer have a home for me and my family. I was denied housing because of all the inaccuracies on my credit history. Its been well over 30 days now, and the latter credit report is worse than the previous credit report. 
Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX ( Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-07-01
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)

I am a victim of identity theft. XXXX XXXX, XXXX, XXXX, Fair Collections, Transunion, XXXX XXXX and resurgent receivables has fraudulently abused my private information without my consent and it appears on my credit report. It is hurting my right to liberty, and the pursuit of happiness as protected by the Constitution for the United states of America.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-08
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. (MT)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, at XXXXXXXX XXXX, I made a transfer of {$110.00} to a friend trough XXXX at Babk of America application. The money disappeared from my account and my friend never got money. When I click on the transaction it says it is pending review. When I click on this information it says bank of America placed a hold on this transaction and it is reviewing and I dont need to do anything now. Once they are done they will complete the transfer or get in touch with me. 
I called the bank and told them to cancel so I could get the money back they says they couldnt and I needed to wait. I asked XXXX XXXX they says they didnt know, I said well that I needed to pay my friend who bought tickets for XXXX XXXX XXXX XXXX. They kept saying the same recorded script. I want my money back or the transaction to be complete. Now. Bank of America can not HOLD your money.
Consumer complaint received 2023-06-30
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. (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. 

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

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

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