davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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
Consumer complaint received 2023-09-08
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. (NH)

I have contacted each credit bureau repeatedly the past year ( XXXX, Transunion, and XXXX ) regarding a name associated with my information that needs to be removed, as well as an address in Wisconsin. 

This name and address has not been separated from my own file, and I am still being harassed over an owed amount this individual is responsible for. I want any information associated to be be removed from mine, as I have already spent an unacceptable amount of time refuting a collection claim, just to have it return again this month.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i have a few negative remarks from my creditor during a time i was going through financial hardship. I was struggling to make monthly payments several time due to family problems.
Consumer complaint received 2022-12-11
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 (FL)

So Ive spoken to chime bank and the representative laughed at me. I was filing a dispute for over XXXX dollars that is me and my familys rent money. My card was stolen and Ive filed necessary police reports in the town we were in we were vacationing when my wallet was taken from my hotel room. Chime is not taking us seriously please help us. We are going to be within days of eviction if these funds cant be recovered.
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (IL)

On XX/XX/2022 I filed a dispute with chime and explained in my dispute that the atm I used to withdraw XXXX dollars did not dispense my money to me but the money was taken out of my account.when I got in touch with the merchant that owns the cash station machine, the looked into my accusation and told me that there was an error in their atm and told me that I was right, the machine did not dispense me no cash.i went through the proper chain of command with chime only to find out that they denied my claim. I have since refiled dispute after dispute with chime after sending them more evidence every time they denied my dispute but to no avail, they seem to be sending me denial after denial saying their was no evidence that the atm didnt dispense me the funds.so I called the merchant to verify if chime had reached out to them.they stated that they have not received a chargeback from chime and chime has not reached out to them at all concerning my dispute for investigational purpose.i need to send u guys all the evidence I have because chime has not looked into this matter but continue to deny my dispute.i have transaction records number, the time, date, and location.i also have an email from the merchant that says chime hasnt reached out to them at all.chime wont let me talk to their investigators and every time I get a supervisor on the phone I get the run around about my money.please help me and look into this matter.i promise u this is worth your time.thank u very much.
Consumer complaint received 2023-08-09
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. (TX)

I contacted the company and the advised me to contact Experian for removal ; When contacting the Experian they advise me to file a identity theft on identitytheft.gov. I sent Experian, XXXX and XXXX the report and additional documents and they advised the amount from XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX  Balance {$2700.00} fraud accounts will be removed i submitted all documentation and they close the investigation stating everything was verified as accurante.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-12-11
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. (NC)

My issue is with XXXX  incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to 9 payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My issue is with XXXX  incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to XXXX payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX  missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

On XX/XX/XXXX, I submitted an IDR request to be moved to the REPAY plan so that I would be on the SAVE plan when it is released. That application was not processed for over XXXX months, so I submitted a new one. Both of those applications were never processed. The first one says it was approved, but I was never placed on the IDR payment plan. Since then, I have submitted XXXX more IDR applications ( for a total of XXXX ) with all of them being rejected as " Duplicates '' of the XX/XX/XXXX application. However, the XX/XX/XXXX application was not processed accurately.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

On XX/XX/XXXX, I was notified VIA email through the XXXX XXXX - XXXX XXXX XXXX XXXX  that a collection agency placed a collection charge on my Social Security number. 

I looked into the company name, Transworld Systems, and found it was a debt collections agency. I spoke with a representative there who let me know that a XXXX XXXXXXXX XXXX, XXXX XXXX, had six different accounts opened using my name and Social Security number ( I live in New Jersey, I have never visited Texas, nor do I have friends/family that live there ). I asked for the account numbers and balances at that time. I, then, submitted a fraud report with their customer support team. They let me know that they will investigate on their end and send me paperwork to process on my side. 

I went to my local police station and filed a police report which will be available for me to pick up XX/XX/XXXX or XX/XX/XXXX. I was also directed to file a fraud/identity theft report with the FTC. The next steps were to send a copy of the police report along with the FTC report to the electric company to process the dispute on their end. 

I called the collections agency again ( today, XXXX ) to confirm the information and they also provided me with the dates of end of service as well as the addresses for each account, XXXXhree of which were opened on the same day. I learned that the accounts were opened under two different companies, XXXX XXXX and XXXX XXXX, both of which are under the bigger company, XXXX XXXX XXXX. A fraud report is submitted on their side to help prevent additional accounts from being opened with my name and social security number.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I made a {$2700.00} purchase with a 1 year no interest if paid in full plan. About two weeks before the promotional period expired, I paid the final payment of {$230.00}. I must have inadvertently only paid {$230.00}. Now Comenity Bank is saying I owe them {$550.00} interest. I've tried reasoning with them to no avail. And they are unwilling to relent at all.
Consumer complaint received 2023-11-09
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. (TX)

I attempted to apply for credit and was denied, I was told to look over my credit report and if you find XXXX discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts. 

I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (AL)

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. 

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  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.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

I placed a complaint recently ID # XXXX, I would like to retract. on further investigation it was a credit card take over fraud, their only fault was nor training their customer service to recognize potential fraud. the dispute was resolved.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Equifax fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be charge-off for the month of XXXX, if I was on time XXXX, XXXX, XXXX, and XXXX. As well Equifax are reporting 3 Charge off for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is entirely inaccurate. This account was paid in full on XX/XX/XXXX. Once an account is charged-off it shouldn't be reporting any more on time payment which is a violation.
Consumer complaint received 2023-11-09
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. (NY)

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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 item of information, other than records of convictions of crimes, 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. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 item of information, other than records of convictions of crimes, 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. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2022-11-25
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. (NC)

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 XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. Stares I have the right to privacy 15 U.S.C 1681 Section 604 A Sction 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 consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish 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 2022-12-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I fell on hardships XX/XX/XXXX so i was unable to pay my regular monthly payments. I was told that if i get on a payment plan, they will not report late payments to the credit bureaus. I got on the payment plan and i have not missed a payment since i been on the plan. I've been paying biweekly. But when i checked my credit report, I see that they have been reporting late payments to the credit bureaus since XX/XX/XXXX till XX/XX/XXXX.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account 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 are listed on my credit report XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original creditors as requested. I'm demanding that this account be removed immediately : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (UT)

I paid Apple on a debt through my online banking, along with another credit card. It posted on XX/XX/year>. And still hasn't posted to my account. Yet the other credit card posted to my card on XX/XX/year>. I did an online payment with Apple linking my bank account to my card and the bill posted as received with in an hour to my account. I don't understand the huge delay with paying my bills through my bank, which has the potential to hit me with late fees. Yet every other debtor I pay gets their money in a timely manner. It is all done electronically. Yet when I link my banking to Apples credit card it posts as received almost immediately. As of the writing of this ( XX/XX/year> ) six days later my money still hasn't posted to my Apple account.