davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

On XX/XX/XXXX I disputed an unauthorized transaction from my chime account XX/XX/XXXX Chime approved my dispute admitting an error occurred and saying I would be refunded. Still to this date I have not been refunded. On XX/XX/XXXX I called customer service and they said I would be refunded by XXXX hours. That did not happen. I have called multiple times in the past weeks and they keep on doing the same thing just saying they will escalate the claim and it will be refunded in XXXX hours. Still they keep telling me the same. Thing with no results. I have been lied to by multiple employees and they refuse to connect me to someone who can actually help.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-03-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account.
Consumer complaint received 2019-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Profit Services Group (GA)

PROFIT SERVICES GROU Last reported XX/XX/XXXX {$74.00} Reported balance Original balance {$74.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Consumer disputes - reinvestigation in progress Original creditor name XXXX XXXX XXXX CONTACT INFO PROFIT SERVICES GROU XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX This bill was paid in full by my insurance company on XX/XX/XXXX, yet they sent it to collections on XX/XX/XXXX. I have reported this to to the credit bureaus and thy remove it and then the next month the collection agency puts it right back on, this has been going on forever. I have called the original creditor and thy say it is paid in full, and admit they made an error reporting it and will stop the credit bureau from putting on my credit report. I have called the collection agency and the lady who was a supervisor was uncorropative and hung up on me. This has caused me harm, I have been denied credit because of this and my credit score has suffered greatly. I have had to pay a higher interest on loans also. I just don't know what to do anymore to get them to stop calling me, and also to take this off my credit report. I never owed this debt, it was paid in full before they reported it to the credit bureas.
Consumer complaint received 2019-12-21
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. (NC)

I have been disputing this account for almost 5 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number : XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2024-02-21
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. (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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts Below : Account name : XXXXXXXX XXXX XXXX purchas Account number : XXXX I dont have the full account number but I wrote the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2019-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX SSN : XXXX and my complaint is against XXXX  XXXX, account open XX/XX/2015 date closed XX/XX/2015, due to fraud activity with a balance of {$3800.00}. Back on mid 2015 I was a victim of identity theft, product of this issue fraudulent accounts started to open under my name. My personal information was compromised and as a result my account with your company was fraudulently opened. I did not authorize ; neither did I benefit anything from this fraudulent account that was included in my reports. This complaint is a direct confirmation that I want this account deleted. In accordance with the Fair Credit Reporting Act, please stop all collection proceedings. I have enclosed copies of My FTC report made back on 2015 that XXXX  has ignored for 4 years and the Federal Trade Commissions notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that your stop collection activity and remove this account from my credit reports. I demand an immediate deletion letter from this the mentioned company. If I have to take this case to a federal court because of XXXX  negligence and unfair business practices believe me, Im ready to pull the trigger with that lawsuit. If the mentioned company provides me a deletion letter no legal action will be taken against XXXX  or whoever their mother company is. Im also including on this complaint XXXX XXXX , XXXX because in the report in XXXX  information the address they have is from the mentioned company. An Im also including Transunion because its the only credit bureau which it is reflected on and Im pretty sure they will do a serious investigation regarding the matter. Thank you!
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX and 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 Collection company unknown Account : XXXX {$150.00} XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

This company acts like you can dispute items online. You can not. You have to call and wait on hold forever. They allow XXXX collection agency to list XXXX account as XXXX, allows another to keep changing the date opened date, and the other XXXX are fraud but I can't dispute without calling which I am guess if I ever get a person, it will be an attempt to get me to subscribe to their services which is pretty much all their site is. An attempt to get people to spend money on stuff that is useless and unnecessary. I just want to get the bad accounts off my report without it taking forever. And how to get to see the info they supposedly got to verify the accounts because I'd like to see it. I don't think there is any.
Consumer complaint received 2019-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (AZ)

Americollect Inc was contacted and told that this is NOT my debt. They have a published debt on my credit report with a XXXX Hospital ( not even sure where that is located ) from XX/XX/2019. I have not been in Michigan for 2 years and I have great credit with this ONE derogatory and false publication. The item was disputed via XXXX and all they did is put a note on my credit that says " Consumer disputes this account information ''. My attorney advised to file this and state licensing complaint before filing a Federal lawsuit under the FCRA and FDCPA as this is clearly not my account. I was a victim of identity fraud in the past and they were told that but willfully and maliciously ignored it, attempting to fraudulently collect a balance not owed.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Upon checking my Equifax credit report I noticed some fraudulent inquiries and according to the ( FCRA ) these inquiries are an authorized and verifiable and must be removed from my credit report XXXX/XXXX  XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX- XXXX XX/XX/2022 2022
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I opened a money market savings account with Marcus by Goldman Sachs over a year ago and have been depositing money with no issue. This week I had to make two transfers out of account in order to pay taxes and Marcus locked the account. When I called to have the account unlocked, they refused to do so and now I have NO access to over {$80000.00} of MY money. I have called several times, sat on hold for over 30 minutes while they " read the notes on the account ''. Marcus by Goldman Sachs needs to return MY money.
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2023 I confirmed the alleged debt with the original creditor ( XXXX XXXX XXXX ) but the representative was unable to locate the account. XX/XX/2023 I submitted a complaint to the XXXX XXXX XXXX about XXXX XXXX XXXX ( XXXX ) stating that I did not enter into an agreement with the company. XX/XX/2023 XXXX and XXXX adjusted my credit report and removed the collection from my account,. XX/XX/2023 I submitted a dispute with Transunion about the inaccurate report concerning XXXX in which I stated that I did not enter into an agreement with the company. XX/XX/2023 Transunion closed the dispute. Transunion stated that XXXX confirmed the information was ACCURATE. Transunion has not thoroughly investigated the debt ; it has caused tremendous hardship financially and emotionally.
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

REVISED : My loan had gone into default. Select Portfolio Servicing , Inc. sent a letter to my homeowners insurance company stating that my mortgage was in default and foreclosure actions were being initiated. My home never went into foreclosure because I made payment in full. SPS never gave me a receipt or a complete breakdown of where my monies were applied, i.e., how much went toward mortgage payments, late fees, and all other charges. 

My insurance company at the time, XXXX XXXX XXXX. XXXX ) requested proof that my mortgage was not in default on XX/XX/2021 to prevent my home insurance from being canceled. SPS refused to give me the proof when I requested. My insurance agent, XXXX XXXX ( XXXX ) also called SPS to request the information and she was also denied the information on XXXX XXXX, 2021. SPS ' attorney never sent me any information either. If SPS  would have provided me with a letter, or XXXX to my insurance agent, my policy with XXXX XXXX would not have been canceled. SPS did not provide me the information for the insurance until after I filed my first complaint. Now SPS is charging me {$510.00} for their policy from XXXX XXXX, 2021 to XXXX XXXX, 2021. My policy with XXXX XXXX was canceled because of SPS ' refusal to cooperate and provide information in a timely manner, all the while making a profit. 

I lost my policy and now XXXX XXXX XXXX XXXX will not reinstate it.
Consumer complaint received 2022-09-26
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. (ID)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX In accordance with the Fair Credit Reporter Act XXXX  account number # XXXX, # XXXX, and # XXXX has violated my rights, 15 U.S.C 1681 Section 602 8 States I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 I also state a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (ID)

Discover Bank went down twice in XXXX and XXXX of XXXX. 
The first time I made a mobile deposit with my main business income and the deposit didn't clear. I received a notice that mobile deposits submitted between XX/XX/XXXX and XX/XX/XXXX were delayed in processing. It did not deposit for a week and cleared on XX/XX/XXXX. 

The question then comes, how do you get external money into a Discover checking account so that your rent payment clears? Well, no money apps work with Discover checking- not XXXX, not XXXX, nothing. The app Discover had on their own website, XXXX, hasn't worked for months. When talking to a customer service rep about what I could possible do, the only option became XXXX XXXX XXXX. I promptly go there and am informed that the Discover debit card that I had doesn't work for their money services- the XXXX card that would have worked was manufactured last year but was never sent to me. 

The other time Discover went down, there was 'system maintenance ' for XXXX hours with no warning given to customers and you couldn't access money again over a weekend. 

So, here I am closing my Discover checking and savings accounts after bouncing XXXX rent checks with either no access to funds or no way to get external money into my account.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (VA)

In accordance with the fair credit reporting act XXXX account # XXXX, has Violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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 end consumer credit plan as late for purpose