davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I sent a letter to Experian, XXXX and XXXX on XX/XX/2022 to investigate my account. Here is my tracking number for certified mail : XXXX XXXX XXXX It has been over 30 days and I have not received any investigation results. These consumer reporting agencies are in violation. 

According to 15 usc 1681i, Experian, XXXX and XXXX have 30 days to investigate and send me the results. 

I have all evidence attached below
Consumer complaint received 2023-01-16
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX  : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

Chime employees have been stealing my money using my card to large XXXX XXXX purchases and XXXX purchases that I didn't authorized and they refused to return the money, I went to the XXXX  and they sent a stop and desist notice just because I went forward with involving the FBI, and XXXX XXXX stole {$750.00} XXXX from me as well, XXXX stole my accounts, now no one is responding to me
Consumer complaint received 2024-03-20
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)

XXXX XXXX illegally keeps putting derogatory information on my account after I had it commit corrected by the law and Im gon na give you the lie right here accordance with the fair credit act XXXX XXXX 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. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE This company corrected my credit report and they made it back derogatory again I will get a lawyer and sue you
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I ordered something from XXXX that came defective, contacted XXXX about it. XXXX sent a replacement. 

Replacement device became defective as well so contacted XXXX about issuing a refund, XXXX sent XXXX to pick up both items ( all under one tracking number & one box ) XXXX received the items & have yet to issue my refund. 

Contacted capital one started dispute & got a notification saying my account will be credited the funds while they investigate.

& That the funds will be in my account in 1 - 2 business days.

Turns out capital one put a hold on the credits I was supposed to get for 40 - 90 days until the merchant responds.

I shouldn't have to wait 40 - 90 to use credits I should already have for items returned.

I've contacted capital several times about it to no avail.

I've provided them return email & refund amount & tracking #.

They still haven't released the hold on my {$320.00} credit.

& That is my complaint.

This is for capital one secured card.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I filed bankruptcy XXXX XXXX and XXXX XXXX ago. I have a family of XXXX that I moved down to Florida for a better job. I have received a couple promotions since moving here. Please remove the bankruptcy from my report asap. This is preventing me from securing a reasonable loan rate In an already tough housing market in Florida and the economys state.
Consumer complaint received 2024-03-20
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. (IL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

XX/XX/2023. I am being denied access to {$110000.00} of funds in my checking and savings accounts and permanently locked out of my account with no recourse after moving back to the United States because I have a new phone number. I am being told its for my own protection. I have been a member of USAA for 26 years. I am a military veteran and dependent. We are on military orders to move from XXXX to XXXX XXXX, XXXX After arriving in the XXXX  , I called USAA to ask how to wire money from my account to buy a car. I was told they could not verify me because my phone number changed ( XXXX phone numbers do not work in the XXXX, they apparently do not know this ) They would not verify me through security questions or my online password as they always have in the past. I was told to call back for verification and security questions. I called over and over for about five hours until I realized they just locked me out of my account. I was never asked any security questions nor asked my password. When I offered every bit of information I could think of they just kept telling me their computer had No security questions for me. They repeatedly told me there was nothing I could do but get a code from a text they sent to my XXXX phone number which I no longer have. They would not give me the option to send the code to my email. I can not access about {$110000.00} of my own money and I have no recourse with them. I need help, I have no money, and my husband is still overseas for two more months. This bank should be investigated for theft of funds.
Consumer complaint received 2019-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Porsche Financial Services, Inc. (CA)

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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I recently pulled my credit report and noticed that this company has reported inaccurate information on my credit profile. This company shows that as of XX/XX/2021 through XX/XX/2021 there was a consistent XXXX late payment. The payment history shows to be inaccurate. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. There's no way that each month there should still be a late " XXXX  day '' payment which I believe were reported in violation of federal law. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies, I am formally demanding the immediate removal of these erroneous late payment records from my credit report. Upon reviewing my credit report, I noticed several late payment notations listed on my account that inaccurately portray my credit history. I maintain that these late payment entries are erroneous and in direct violation of 15 USC 1681s-2. According to the relevant federal law, furnishers of information, such as SYNCB/CARE CREDIT, have a duty to provide accurate and complete information to consumer reporting agencies, including the timely and proper updating of consumers ' account information. 
Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : 1. Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies.

2. Duty to Correct and Update Information : If the furnisher discovers that information, they previously provided was inaccurate, they must promptly correct and update that information.

3. Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information.

It is evident that SYNCB/CARE CREDIT has failed to
fulfill its obligations under 15 USC 1681s-2 , resulting in the inclusion of false late payment records on my credit report. These inaccuracies have profoundly impacted my creditworthiness, limiting my credit access and causing undue financial distress.
Consumer complaint received 2023-01-16
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent XXXX XXXX XXXXXXXX XXXX date of inquiry ( XX/XX/2021 )
Consumer complaint received 2019-12-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

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 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I had a charged off card with XXXX XXXX. They offered me to settle for an amount and I accepted. They are still reporting the card as charged off and with a balance. On their email it stated this Credit Reporting of Your Settled Account. If were reporting your account to the credit bureaus and you settle your account for less than the full balance, well update the account reporting to paid in full for less than the full balance. They did not do that.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (GA)

To whom it may concern, 1. Discover has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2. Discover has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights by Discover, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Discover is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to Discover, I XXXX XXXX is also revoking all rights Discover from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between Discover and XXXX XXXX. I am also requesting that they furnish proof that they are licensed and bonded in the state of Georgia.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$400.00}.

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 finance 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 to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Effective XX/XX/2019 XXXX XXXX transferred the loan servicing to ShellPoint Mortgage Servicing dba NewRez. As of the XX/XX/2019 XXXX Statement Date the escrow balance read XXXX. My check no. XXXX added XXXX to the escrow balance. The XX/XX/2019 escrow balance should have read XXXX. As of XX/XX/2019 Shell Point-NewRez shows escrow balance of XXXX. No statements have been received from either XXXX or NewRez to show the transactions causing the difference in escrow balance.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX CHARGE ACCOUNT High Balance {$430.00} >Sold ; was Charged-off< Closed XX/XX/XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF in accordance with the Fair Credit Reporting act XXXX Account # 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 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : EQUIFAX- XXXX : acct. number : XXXX XXXX, XXXX XXXX EQUIFAX- XXXX : acct # XXXX XXXX XXXX- XXXX XXXX XXXX : acct # : XXXX EQUIFAX- XXXX : acct # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- XXXX in sv : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXXXXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EQUIFAX- XXXX : acct. # : XXXX XXXX XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX EQUIFAX- NO CREDITOR NAME : acct # : XXXX EQUIFAX- NO CREDITOR NAME : acct # XXXX XXXX
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: Experian Information Solutions Inc. (WA)

They are still choosing not to fix credit concepts so I'm filling a claim against all three agency the are fraudulent ignoring dispute they don't get 30 days it been a year of disputing how are you guys suing company 's but my complaint your not really assisting with.and XXXX XXXX XXXX child support needs to be removed and both XXXX Experian sent email said there not removing it these agency are fraud and you guys keep letting do what ever.where is the file and applications of my signature.they don't have to provided cause they don't want to seems like they need an audit.how do I know alidated the debt if there refusing to send application. Late payments there is none how long does it take agency to fix errors a whole year.i will contact attorney state general .if this is not fixed and XXXX days they had a year so XXXX days and I need fees for each violation they ignored my invoice
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I spoke directly to XXXX over the phone a couple of times, once to say there was no way I could pay them because Im on a fixed income from the government ( SSI benefits ) and theyd alloyed my money and where most of it goes ( rent and groceries mainly ) I have specific amounts I have to pay out or I could lose my benefits! I explained this to them and asked them to STOP CALLING ME PERIOD, they assured me they would. But I keep getting letters with threatening language in them and harassing phone calls- Ive even had to go as far as changing my phone number! They are scary and disrespectful and disruptive not professional at all. I also never received written notification of the debt or how to dispute this debt, I didnt know that was something theyre supposed to do until I went to make this complaint!!! I have rights that protect me from this kind of abuse I think please help me! I cant eat or barely sleep with worry that theyre coming for me. I just want the harassment to end! Thank you so much for this opportunity to be heard. 
XXXX