davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : The XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my extreme frustration and disappointment regarding the continued presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 15th time I have brought this matter to your attention, and yet, it remains unresolved, which is unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a grave threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redress. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXX : XXXX XXXX Account XXXX has violated my rights. Or a 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.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I sent this letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as REMOVE the Accounts from my report during the investigation period. 
XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I had a XXXX XXXX from XXXX that was closed with a balance of {$15000.00}. The account has been reported on my credit report as " charge off ''. On XX/XX/2023 I mailed XXXX a check " XXXX '' for a {$100.00} asking for them to settle my account and remove it from my credit report. They cashed the check and still did not remove the account from my credit report. So I want it done as the reason for me to pay them as in return to have the account removed from my credit report and settle the balance for good. I have attached a copy of the letter as well as the check and proof it was cashed.
Consumer complaint received 2024-03-27
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-28
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. (TX)

Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXXXXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX  showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of XXXX. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CA)

I received several monitoring notifications, stating that I have XXXX late payment with First Progress, even though I am current on all of my accounts. I had a credit balance a year ago, and I have not been using the card. This was a secured account that I paid {$1000.00} to open. The card that I have expired in XX/XX/XXXX, it has not been used, and I never got a new card.I also never received any statements or warnings about late payments. After getting the alert of a late payment, I logged into my online account and found this : RECENT STATEMENTS Date Description Amount XX/XX/XXXX LATE CHARGE FEE {$41.00} XX/XX/XXXXXXXX   LATE CHARGE FEE {$30.00} XX/XX/XXXXXXXX  MEMBERSHIP FEE {$49.00} XX/XX/XXXXXXXX XXXX XXXX XXXX DEBIT {$21.00} First Progress  is charging late fees on a membership fee that I was never billed for, on a card that is expired and can not be used. My last balance on this card was a {$21.00} XXXX  XXXX year ago. They charged a membership fee for a card that I can not use, and for which I never received a bill or late warning.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IN)

Complaint Summary : On XX/XX/2023, my Chime 2 accounts were WRONGFULLY closed without specific details or any warnings as to why my accounts were closed for no valid reason after being a long time 5+ year customer, who never had any issues. 

Per the account closure email, I was supposed to receive a {$250.00} refund check for the remaining funds in my 2 accounts within 30 days from the account closure date, which has not arrived as of XXXX. 

During my phone conversation with XXXX on XXXX, he escalated this inequitable matter to find out why I have NOT received the remaining funds in my account as he confirmed that my check has not been sent as Chime guaranteed that I'd receive it 30 days after XXXX ( account closure date ). 

On XXXX, I received an email from XXXX ( Chime Member Services ) who stated that I should receive my check within XXXX business days. 

As of XXXX, I have not received my {$250.00} refund check from my 2 Chime accounts. 

At your earliest convenience, please provide me with an update regarding this extremely unsatisfactory and unacceptable matter as to why my refund check has not been sent and an exact date when I'll receive my funds which has significantly exceeded the promised 30 day timeframe.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (PA)

My business utilizes Chase banking services for handling all business transactions. Recently, we transitioned to a new accounting software called XXXX, which integrates WePay as the processing company for ACH and debit/credit card payments. XXXX has confirmed the successful collection of our invoice payments from our client. However, WePay, the processing company, has abruptly closed our account without explanation, holding our funds totaling {$8600.00} ( {$8400.00} after processing fees ), as detailed in the attached correspondence. We have encountered no issues in the past, and WePay has provided no guidance or resolution regarding this matter. Despite efforts from both XXXX and Chase to find a resolution, no success has been achieved. As a small business, this situation severely impacts our day-to-day operations.
Consumer complaint received 2023-08-11
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. (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. On XXXX XXXX XXXX account # XXXX XXXX payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

For billing period XXXX my Adjusted New Balance as shown on my statement reflects {$520.00}. This was incorrectly calculated as the full adjusted balance was paid in the previous billing cycle and new purchases totaled only XXXX. The discrepancy appears once more in the most recent billing statement with interest fees added to the balance. The Adjusted New Balance on the statement for billing period XXXX is once again incorrectly calculated. 

I called Citi customer service 2 separate times on the morning of Friday, XX/XX/XXXX and spoke with 3 separate representatives. After several hours, I was not offered any explanation as to how the balance was calculated and was promised a call back from a supervisor within 24-48 hours. We are well beyond that timeframe and there is still not response from Citi.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

I am writing to you today because I do not know where to turn for help. We are in desperate need in obtaining our money back to pay our rent that was due XX/XX/year> because of the incident below : My husband allowed our son to play on his tablet. My XXXX, who is XXXX XXXX XXXX and XXXX purchased {$10000.00} in XXXX XXXX XXXX and XXXX is refusing to credit us. My autistic son got hold of my husbands passcode to make the purchases but he never used any of the downloads. Frankly, our XXXX  son did not know he was causing any harm. 
I was on the phone with XXXX on XX/XX/year> for XXXX hours trying to explain the situation and they said the maximum they can credit us is {$800.00}. They said to dispute it with our bank, Wells Fargo. 
My husband and I have reached out to Wells Fargo since XX/XX/year> and as of XX/XX/year> they said they denied the claim. The escalation team said " no '' they did not approve it. When my husband asked Wells Fargo what the criteria was for rejecting or accepting the claim, they said they would not answer that question. We, of course, gave the bank full details about the issue that our son, who has XXXX, purchased these charges erroneously. Our son does things repetitively. So when he clicked the button and saw numbers, he simply thought it was a game so to speak. Our son loves numbers so the higher the number, in his eyes the better it is. He takes pictures repetitively, he speaks repetitively. I don't know what to say except we can not pay our XXXX rent nor put food on the table. This is heinous. Big banks and Big Corporations such as XXXX just want to squeeze the money out of the consumer. 
I am sickened. I have the denial letter if you need me to upload it. 

The claim # is : XXXX and their reason for denial : " They didn't find any evidence of wrong doing. '' So, they basically took our money and accepted the charges as is. 
Bottom line, Wells Fargo and XXXX won't take any action to give us our money back. The claim is for the amount of {$10000.00} Please, can you help us? 
Sincerely, XXXX XXXX and XXXX XXXX ( XXXX and XXXX to our son, XXXX XXXX )
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my Equifax, XXXX 's And XXXX credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2023-12-28
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. (NY)

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 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

In XXXX, I received a letter from XXXX XXXX offering a lower homeowner 's insurance rate. 

I contacted XXXX XXXX ( my supposed current provider ) and discovered my policy had been cancelled in XX/XX/ 2023 due to non-payment. 

I recalled informing both Mr. Cooper and XXXX XXXX that Mr. Cooper was responsible for issuing the payment directly to XXXX XXXX  in XXXX and XXXX. 

This payment never occurred, resulting in a lapse in my homeowner 's insurance for the year 2023, the final cancelation due to no payment was sent to me in XX/XX/2023, when I had already informed XXXX XXXX that they should be sending their request to Mr. Cooper. 

I attempted to reinstate the policy with XXXX XXXX, but they declined. 

Mr. Cooper 's inaction exposed me to significant financial risk and caused distress. I have recently started recovering from XXXX and XXXX and here I am again going right back into XXXX due to extreme XXXX knowing that I must have homeowners insurance. 

Actions Taken : Contacted Mr. Cooper and XXXX XXXX representatives, but could not resolve the issue again in XXXX. 
Contacted Mr. Cooper via email, but received no satisfactory response. They reply ignoring the issue and asking for proof of insurance. I chatted with Mr. Cooper and they refuse to help and they area making me responsible when they are the ones who manage the escrow and the homeowners insurance payments.
Consumer complaint received 2022-12-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : 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