davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (KS)

I have a checking account with Chime. When checking balances, the app nor the website show a running total for your account balance. When a company places funds on hold, the money is deducted from my checking account, but when the hold is taken off it is not placed back in my account. Chime just cancels/removes the hold and funds are not added back. Chime told me they were added but when I asked them to send me something showing the balance was added back they failed to produce any proof. Since Chime doesnt show a running account balance I was unable to see the funds added back, but they told me they could see it and could not provide any other proof other than their word. So now Chime has made {$100.00} off of me because they never put the money back in my account. This happened to my friend as well with a hold from the same company as well. Chime took {$400.00} of her money though.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I cashed checks totally {$6300.00}. When I realized the checks was fraud is when they was return. I called and inform USAA that it may have been fraud, that the checks was not good. I had that account for over 10 years. I didn't want it to seem like this was internally done. 
I paid the total of {$6300.00}. USAA informed me that my account would not be closed. They closed my accounts and did not say a word. I did not received a letter stating that the accounts, checking and savings was closed. 
I opened a new account with XXXX XXXX and this is when I am finding out that there is still an issue with USAA in this matter. 

It is reported that the balance is Unpaid and it was fraud. Both of which is not true. 

I would appreciate help in clearing this matter. 

XXXX
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
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)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} XXXX Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-10-12
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. (NJ)

I want theses account deleted : XXXXXXXX XXXX  acct # XXXX, Caravant financial Acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX Acct # XXXX Transunion, XXXX and XXXX was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXX XXXX  Transunion is reporting a 30 day late payment for XX/XX/XXXX and XXXX and XXXX are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however XXXX is reporting an account status as open and Transunion and XXXX is reporting it closed. XXXX XXXX is a closed account however XXXX is reporting an account status as open and Transunion and XXXX is reporting it closed. XXXX XXXX Transunion and XXXX is reporting a high balance of {$1800.00} and XXXX is reporting nothing, Balanced owed Transunion and XXXX is reporting {$1300.00} and XXXX is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.
Consumer complaint received 2022-05-20
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. (NJ)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information 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 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Karma (TX)

i have a old charter XXXX on my credit tan should been off old banks want let me open account new even get a line of credit old i have theXXXX XXXX  XXXX  XXXX old paydays loans past 7 years
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

Hello- I had several payments scheduled with American Express and had my account abruptly closed with no explanation. 

On XX/XX/2022 I paid {$2300.00} to American Express. 
I scheduled a payment of {$3500.00} for XX/XX/2022 to American Express on XX/XX/2022 and confirmed with the American Express rep over the phone that my account would be current. 

On XX/XX/2022 my login to American Express no longer worked. I tried resetting my password with no luck. I called American Express and they offered no explanation. 

I called again on XX/XX/2022 and a rep could not offer an explanation but it appears there was an issue with my account. I told this rep to cancel all scheduled payments and he agreed. 

I received a total of XXXX ( XXXX ) emails from American Express on XX/XX/2022 stating that my {$3500.00} payment scheduled for XX/XX/2022 would process. I called American Express again on XX/XX/2022 and asked why this was the case and they could not offer an explanation. I called my bank XXXX XXXX XXXX XXXX ) to have a stop payment on all payments to American Express. 

I called American Express again asking for an explanation and received none. 

I received an email on XX/XX/2022 that American Express cancelled my account and demanded I pay my balance in full with no explanation as to why they cancelled my account. 

I emailed them and their response was " Thank you for reaching out to us. We will forward your request to the appropriate department ''. After multiple emails to American Express between XX/XX/2022 and XX/XX/2022 I have yet to have XXXX identifiable American Express rep respond to me. I have only received automated messages. 

I am now asking CFPB to mediate going forward as I believe American Express has been acting in bad faith and has not responded to any of my emails beyond some generic response stating " Thank you for reaching out to us. We will forward your request to the appropriate department ''. 

I do not trust the reps that I have called at American Express and they have not been honest with me regarding any of my scheduled payments, account status, and how I will proceed from here with paying my balance. I frankly don't feel comfortable wasting any more time as this issue has been going on for XXXX weeks now with nothing but bad faith actions from American Express.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX 
CREDITOR : XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXXI. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-04-12
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AL)

I opened an Amazon store card in XXXX that offered 0 % interest for XXXX  months. I purchased an item and immediately set up auto-payments. I recently learned that every subsequent item I purchased on the card ( within the 24 month window ; {$640.00} ) was not applied to the 0 % promotion because I didn't " check the box '' to apply it to the promotion. I didn't not know that all those charges would be charged interest ; this was not made clear to me during the purchasing process. Additionally, I found the Amazon store card would randomly pop up as the preferred form of payment during check out, without prompting, and thus additional charges were placed on the card when I expected them to go on another primary credit card. To date the total amount of purchases on the card total {$2800.00}, with payments totally approximately {$2600.00}, leaving a total of {$130.00} due ( minus expected interest after the 24 month initial period ). Despite this, my current balance due is over {$2100.00}. I find the terms and purchased processes of the Amazon store card to be deceptive to consumers and I fully dispute the total balance due. I have closed the card.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$4600.00} Date Opened : XX/XX/2018
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (WI)

I took out a consumer loan with XXXX Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the XXXX loan. When XXXX attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, XXXX did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and XXXX with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

XXXX failed in its legally responsibilities.
Consumer complaint received 2022-05-20
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$4600.00} Date Opened : XX/XX/2018
Consumer complaint received 2022-05-20
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. (MD)

I had an account with XXXX Bank about 8 years ago. I used the card one time and paid the monthly balance. There was an outstanding finance charge of less than a dollar. I pleaded with XXXX XXXX to allow me to pay the small fee and waive the late fee but they insisted on corrupting my credit history from such a small petty charge. I paid the balance and shut the account down and never used it again. It has been beyond the 7 year period of reporting. This account should NOT be reported on my account and has negatively impacted me for all of these years. I alerted them to this issue that it should fall off and they have not taken any action. It is disturbing that XXXX Bank would break the law and continue to report this petty faulty information on my report. I have multiple car loans, mortgages and credit cards and this is inaccurate to my character.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Synovus Bank (FL)

I received a debt from Synovus Bank for XXXX dollars. A individual opened up a checking account in my name with my personal information. It was for a XXXX debt plus XXXX dollars overdraw fee for a total of XXXX. I contacted Synovus and they closed the account after showing them my drivers license. The information they had was my XXXX  but it also had a email address and phone number that was not mine. The drivers license they had on file had a number wrong and the exp date was wrong I filed a police report on the fraud.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of AmericaXXXX On Saturday, XX/XX/2023, I went to my local atm to deposit 10 checks I had stored away, one check for {$300.00}, one for {$200.00}, two for {$50.00}, one for {$50.00} and six for {$100.00}. After I had inserted the checks into the machine I clicked to finalize the checks. As they were depositing the atm froze and rebooted with no trace of my checks in my account or any confirmation email. I contacted customer service of Bank of America and filed a dispute. During our conversation she told me that they would conduct and investigation but I may not receive any money if they cant find my checks on the server. I told her that I doubted the checks were fully uploaded to the server. I also asked why they couldnt check the atm to see that my checks were in there. She had no idea how the investigation worked. Therefore I filling this complaint to ensure my checks will be fully deposited.
Consumer complaint received 2022-04-12
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: CURO Intermediate Holdings (SC)

There are collections account reporting on my file that i have no knowledge of. My XXXX  was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : AD ASTRA RECOVERY SERVIC Last reported XX/XX/XXXX{$1.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Last reportedXX/XX/XXXX{$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Last reportedXX/XX/XXXX {$3900.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  XXXX Last reported XX/XX/2022 {$2900.00} Open balance XXXX
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC (CA)

GC SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX - harassed a great deal out of me for the amount I did NOT owe to XXXX in first place ... I ended up paying them because they agreed to stop calling me and promised to take this off my credit, but did not. It has been almost 8 months and this fraudulent collection is still on my credit report ... I reported to XXXX ftc and to bbb but nothing was done. I just want this collection off my credit report for good!!!
Consumer complaint received 2023-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (FL)

I asked to send me the original contract, the payment that was made to the original creditor, what was i brought, the address verification, the original contract from the original creditor to the collection agency, and why was my information was shared without my concern. 
to all these question, I have nothing except the creditor is verified the debt is mine. 
these things are the information I need about the debt that is in my name and I got nothing. furthermore, I asked the collection agency not to write me anymore about this debt and they continue, is that not a violation of my right. they violate my right by reporting wrong information on my credit and they still violating my right after I asked them not to sent me any communication by calling me or write me.