davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc (CA)

I have my XXXX XXXX card statement & XXXX XXXX secured account statement with deposits of {$1400.00} & an ending balance of {$1300.00}. An amount of {$1200.00} was reflex as my new balance and on my statement its says that my balance was scheduled to be paid on XXXX using my funds in my secured account. I have called Chimed multiple times on this matter trying to get an understanding on how, & to who my credits was paid to and they havent yet to inform me. I was uninformed about the secured agreement automatically making payments using my secured account to make payments due on my account well since I disabled the feature and now making my own payments due I have funds in the secured account & made a payment of {$25.00}. Chime couldnt tell me where the funds was going when I made payment from my secured account and when I asked about the {$1200.00} payment made from secured they still couldnt provide the information, now Im competent and understanding. Chime has credited my account never and I been using my credit since XX/XX/XXXX and have statements to prove so. The supervisor Advised that my funds I deposited were held in my secured account to make payments due but when I made purchases on my card the fund was debited when transactions occurred. I now have {$700.00} in my secured account before I paid out {$25.00} to see exactly where the funds go and Chime XXXX XXXX couldnt tell me where.Me knowing law a deposit is a unpaid balance due and Im now competent enough to know I have some unpaid credit payments due and Chime, XXXX, or XXXX neither have paid any credit due to me. I want to know where exactly my funds that been paid from my secured account go. Also I demand a refund from all transactions paid out by my securities in account that wasnt needed to cover any transaction made because I deposited my money to cover all transactions made on my credit card. I attached proof of unpaid credit due and it shows payment been made on XX/XX/XXXX
Consumer complaint received 2023-02-08
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. THIS ACCOUNT IS NOT MINE. ITS A FRAUD! 

I think somebody used my personal information and managed this item. I am simply identity theft victim. I am very sad and stressed out. Please help me and remove this item after you investigate.
Consumer complaint received 2022-11-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

The company, Nationstar/Mr. Cooper/RightPath Servicing, is still not honoring the loan modification agreement made to me XX/XX/XXXX. As of the date of their letter, I was not allowed to make payments online. I called and tried making payment on XX/XX/XXXX and was told the system wouldnt accept my monthly payment of {$1100.00}. I called the next day XX/XX/XXXX and spoke with XXXX XXXX and he also said i couldnt make a payment. Due to the system wanting the full balance in lieu of the modification agreement. I called Monday and spoke with XXXX. Still not able. I called the next day, Tuesday XX/XX/XXXX and XXXX was able to accept my payment by re-coding. The funds have been in a suspense account ever since. Unapplied even after Ive asked numerous times for it to be, and Ive been charged a let fee because they have yet to reallocate the funds. I was told to resubmit my modification paperwork, by XXXX XXXX. The next day his boss XXXX XXXX XXXX informed me a new copy of the loan agreement with original terms would be coming via XXXX XXXX. I mailed both in and even called to give them the tracking numbers, that i still have. On XX/XX/XXXX, I was called by XXXX XXXX and instructed to pay XXXX payments which i did on XX/XX/XXXX because the system wouldnt patch me through to anyone on XX/XX/XXXX when i tried making the payment. XXXX of which was for XX/XX/XXXX, which i was originally told to not pay so that the underwriters had time to process the numbers and any payment made in that time would cause them to have to start over and delay the process. So I now have XXXX payments of {$1100.00} ( {$3500.00} ) that should be going to my monthly payments that are in a suspense account that they wont reallocate while theyre charging me late fees on, as of this letter, and Im told that they would try to honor my modification but cant promise, when i have multiple correspondences where they admit their error and agree to honor the offer that THEY made me almost 14 months ago. ... XXXX payments. Right before XXXX. Just to sit in an account and not be applied so they can charge late fees. 14 months of them saying theyre going to honor the agreement, just to let a few weeks go by to say Ive been denied the modification legally agreed upon over a year ago. Please assist & let this serve as yet ANOTHER notice of THEIR error in need of correcting ... .again.
Consumer complaint received 2021-03-10
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. THIS ACCOUNT IS NOT MINE. ITS A FRAUD! 

I think somebody used my personal information and managed this item. I am simply identity theft victim. I am very sad and stressed out. Please help me and remove this item after you investigate.
Consumer complaint received 2023-01-27
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. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to questioning specific items in my document coming about because of the wrongdoing. The items 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 items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (UT)

PayPal has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. PayPal auto used subscription I did not authorize after canceling subscription. PayPal listed itself as different names and I had no idea who the debt Iwas actually acused of owing. Paypal sold my debt to at least XXXX company I know of, XXXX XXXX XXXX, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. XXXX XXXX XXXX claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But PayPal claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in XXXX. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX fraudulent transactions happened on my XXXX XXXX debit card. I filled a claim and it was denied. All of these transactions happened in places that I don't go to and in towns a long way from my home. They are absolutely fraudulent and yet Wells Fargo refused to refund me the {$520.00} that was stolen from me.
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC (TX)

XXXX XXXX XXXX PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria. 
Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.
Consumer complaint received 2022-11-21
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. (CA)

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 Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : 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 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. And i have filed police report as well
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: Experian Information Solutions Inc. (CA)

I am requesting validation that the debt this company claims is mine. If they can not provide a document with my wet signature, then this debt is not valid. 

XXXX XXXX XXXX XX/XX/2020 {$210.00}
Consumer complaint received 2023-05-27
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)

XXXX AND EQUIFAX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX  XXXX Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %
Consumer complaint received 2023-05-27
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)

XXXX AND EQUIFAX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I sent letter to all three bureaus seeking proof of accounts & bankruptcy but they keep saying all accounts and Bankruptcy are verified not giving any proof. But as per the Act every bureaus should provide valid proof. 
I need to know the next steps and what 's legal remedy we consumer have
Consumer complaint received 2022-11-22
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. (MS)

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 U.S.C 1681. 

XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-22
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 these accounts listed have violated my rights. In addition, some of these accounts are not even mine bring my scores down causing me to be denied. Its become a real hindrance for me and my children. 

Personify - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA
Consumer complaint received 2022-10-28
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. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentialality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have right to privacy.

15 USC 1681 section 604 A Section 2. It States a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A. (NY)

My XXXX BVVA credit accounts were acquired by PNC Bank XXXX XXXX yrs ago. PNC raised my account credit limits by several XXXX initially. It reduced the card with the lesser limit, about a yr ago. I'm writing about my avccount ending in XXXX. Until 2 days ago it had a limit of {$18000.00}. 
PNC 's computer systems are poor and caused several problems that required multiple very long and involved calls to resolve. Once most of the system glitches were corrected I began to use that card for bill payment. 
One of the glitches that never gets fixed is the sites inability to recognize my id and password, for more than 2 sign ons. This makes it unavailable, for quick reliable use On XX/XX/XXXX, i received a text questioning 2 new purchases, on my cred account. The message said I should call PNC. 
I called PNC and told them that the larger one for XXXX was correct. But the {$1.00} for a charity was incorrect. I asked the representative how to best go through securing the account and avoiding changing the autopayments. Either their rep didn't understand me or i her, but there was quite a lot of contridiction between what she said and what she needed to read, when it came to disclosures. She tried to transfer me to the security section, but the call was dropped. 
On XX/XX/XXXX, I received notice that my credit line was dropped from {$18000.00} to {$6500.00}, the current amount of my outstanding balance. 
PNC 's action generated a lot of credit warnings, since my usage went from 30 % to 90 %, in one day. I will be reducing the balance to reduce the abrupt reduction in the line and increase in XXXX % I'm very concerned that PNC 's unilateral action w/o notioce may reduce my credit score and increase the cost of credit to me I could have called PNC and asked them to raise the limit to where it was, directly. But, too many of my prior experiences ended so badly, I didn't want to waste my time. Instead, i thought it better to place a note of this event, on your records, I'm requesting that someone in your office investigate why my line was reduced and help me avoid any harm done to my credit due to PNC 's action Kindly confirm your receipt of this note and request Thank you
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (PA)

On XX/XX/2024, I wrote to you asking that you look into some things that I thought were fraudulent, wrong, or reporting lies. Up to this point, the only answer I've gotten was a computer-generated letter telling me that you have stopped looking into my credit reports because you think I used a credit repair service. I think this is not only a way for you to hold off responding to my original request for another 30 days, but it is also a clear violation of the FCRA.