davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

On XX/XX/23 Chime Bank advised that security restrictions were put in place on my checking account due to a transfer of {$1500.00} that I initiated from XXXX XXXX, which is my primary bank for funds. Chime requested multiple times over the next few days for me to upload the following information : Driver 's License, Secondary ID, Source of Funds, Rationale for Transfer, and a Selfie picture holding a piece of paper with the date and also one of my forms of ID. I provided these documents on several attempts through their secure portal. After repeated failure of Chime to release my funds, I asked for the account to be closed on XX/XX/23. Chime claimed that they would send whatever funds were left in the checking account to the address I have on file. On XX/XX/23, I received an email from Chime asking for the documents again, and I responded advising that I had closed the account and a check was to be mailed. I received a second email on this same date advising that before a check would be issued, the security measures are in place and must be resolved. I again uploaded the documents they requested with an additional proof of ownership of the XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX I advised Chime that I would be filing a complaint with the Consumer Financial Protection Bureau, and also have hired legal council to represent me in this matter.
Consumer complaint received 2023-02-06
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. (RI)

missed XXXX payment in XXXX of 2020 due to the covid XXXX epidemic account is current now and no other late payments have ever been on account 'trying to buy a house and late payment is hurting credit score
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (NY)

NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX be playing different unlawful tactics to collect DEBT THAT DID NOT OWNED or BELONGS TO ME ; since XX/XX/2019, they've sent me different collection letters each time l demanded debt verification, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX choose not to reply to my demands " PROOF OF DEBT OWNED '' instead NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will placed the said collection on my credit profiles with XXXX, XXXX and XXXX each time with different company names, which time NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX did not get favorable answer from credit bureau, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will use different collection agency to placed the said debt unto my credit profiles with XXXX, XXXX and XXXX. ( see attached for several letters l wrote via certified mail )
Consumer complaint received 2023-03-04
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (NM)

Southwest Recovery Services Collection company located in XXXX, Texas reported on my credit the same debt four times. 
First, I noticed that this company reported the same debt twice. It is a debt since XXXX. Then, I noticed that on XX/XX/XXXX they reported the same account twice again ( total of four times that same account ) now I have a total of XXXX. The debt is only for XXXX. I called them and a representative told me that i owe the money. I explained to him that it was wrong and by reporting the same account four times it was affecting my credit so bad. He asked me for my email address. I gave him my email address and he said that in a period of 48 hours he will send the documents to email. 48 passed and he never sent such email. I called the company and left my number, but no one returned the call and am still waiting for the email with the documents to support their reports to my credit. They also flagged my debts as if someone stole my information.
Consumer complaint received 2023-02-06
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I XXXX XXXX XXXX, have 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 : ,This section provides that the consumer reporting agency can not furnish an 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 XXXX  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. 

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-06
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 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 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 2023-02-06
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)

Disputed with XXXX, they partially corrected historical inaccuracies but the 'current balance ' / XXXX and/or XX/XX/2023 are showing incorrect. 

Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (RI)

Due to XXXX XXXXXXXX pandemic i had 4 late payments 2 in XXXX in the months of XXXX and XXXX and 2 in XXXXXXXX in the months of XXXX and XXXX to date my credit card is active and current with no other late payments i feel as tho i should not be held responsible for these due to the fact that i was laid of work twice. im trying to by a house and late payments are really hurting my score the credit card company is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (FL)

Submitted several letters to all three credit bureaus to investigate inaccurate information and valid accounts. They continue to violate my privacy rights and laws by not doing so. I would like all negative account thats be report to be validated or removed.
Consumer complaint received 2023-02-05
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. (OH)

I am attaching additional information/documentation that highlight that XXXX XXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not one account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the 30+ payments made to the account from the checking account ending in XXXX. 

This bank error caused my credit score to drop by more than 50 points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I was a victim of fraud from 2 data breaches at XXXX XXXX XXXX in XXXX and XXXX of 2023. Several applications for credit cards were submitted in my name with different addresses to send the cards - XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, THE HOME DEPOT, and more. Because I already had credit cards with these companies, none were issued to the fraudulent applicant EXCEPT THE HOME DEPOT. Despite already having a XXXX  Credit Card, Home Depot doubled my credit limit and sent a card to another address than the one they have for me. Someone in XXXX, XXXX miles away from my own address, charged {$830.00} on this fraudulent card. I did not drive to XXXX and did not charge anything at Home Depot since purchasing my XXXX XXXX, ON-LINE, over a year ago. I am a renter, and all repairs and upgrades to my apartment unit are handled by my landlord. Despite filing a complaint with the Home Depot, XXXX, and XXXX, Home Depot 's " investigation '' determined that I made the fraudulent application for a card I already had, drove XXXX  miles to the Home Depot in XXXX, bought {$830.00} of things I never buy at Home Depot, and that although I already had a Home Depot card, I applied for another one fraudulently. If you look at my credit report, you would see all the fraudulent applications made in my name at the end of last year after the data breaches of a medical group of which I was a member. You will also see that all those applications were denied by the creditors because I already had a credit card with those institutions. Home Depot should also have denied that credit card because I already had one, and the new application had a different address than my own.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (TX)

Wells fargo has a credit system its free, i just want to know how they come up with a score of XXXX, compared to XXXX  and XXXX XXXX, the reason they are listing my score is low are out of scope. My debt is below 9 percent, so i am confused on the XXXX
Consumer complaint received 2022-11-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

i submitted a police report and a FTC report to Equifax of identity theft back in XXXX and they haven't removed the account off of my credit report yet. Also they were suppose to update 2 late payments to paid by request of the creditor and they have yet done so the creditor requested for it to be changed back in XXXX and they have yet to update there system.
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Sequium Asset Solutions, LLC (TN)

A debt collection company by the name of SEQUIUM ASSET SOLUTIONS INC furnished an alleged debt on my consumer reports all while violating my federally protected rights. This company is not licensed to collect in the state of TENNESSEE, this company is damaging my reputation per 15 USC 1692d ( 1 ), and I did not receive any written notice in the mail giving me the opportunity to dispute the alleged debt. This company also gives off implications that their communication could be from an attorney per my consumer disclosure report from XXXX. A violation per 15 USC 1692e ( 3 ). Repeatedly sent electronic emails at inconvenient times while I was at work. I received emails at XXXX and after XXXX. A violation of 15 USC 1692c. This debt has not been properly validated. This behavior is both deceptive and abusive.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. 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 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : 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 XXXXXXXX Please delete the following inaccurate phone numbers : XXXX XXXX Please delete the following inaccurate employers : XXXX XXXX  By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (IN)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681 accounts 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 USC1681section602A states I have the right to privacy 15 USC 1681section604A section2 It also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1681c ( a ) ( b ) 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 15USC 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 2023-02-05
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. (IN)

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 : XXXX, XXXX XXXXXXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX XXXX XXXX : XXXX XXXX, Experian XXXX and XXXX has failed to provide any proof of verification of disputed accounts. 

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.

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, and other adverse items 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 2020-07-11
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: Experian Information Solutions Inc. (NY)

In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXXXXXX XXXX the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX   balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.