davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Chime credit builder credit account that I have is a secured card which was set on my app as safe pay which means it shouldve kept reporting paid as agreed under the fair credit report and act because I had a XXXX balance when I got detained and locked up on XX/XX/XXXX. I just seen on echo fax that they reported my last payment was XX/XX/XXXX but then when I looked harder at the information they only got a check for pay as agreed up to XX/XX/XXXX. After that its all gray no data. It is also being reported the same way on TransUnion not sure about how they report it on experience right now, but theyre reporting false information because its a secured card and while I was away in the XXXX XXXX XXXX center for 14 months they shouldve reported to all three brows like agreed when opening the account and auto pay safe is on and there is no balance that I owe XXXX credit builder account shouldve been reporting paid as agreed and still should be reporting paid as agreed to all three major credit bureaus or credit agencies, but they are not. This is a violation against the fair credit reporting act because their reporting basically false information if it is a secured card With safe auto pay set up already on it. I guess can report that the last payment was XX/XX/XXXX but I still shouldve got checked off as paid as agreed because XXXX balance was owed the whole time I was at the XXXX XXXX detention center being detained, XXXX going to dispute this with all three major credit bureaus via XXXX mail I also been requesting my payment history for the whole time Ive had the account and Ive been requesting through Chime all my bank records included from the day I open the account up and XXXX or XX/XX/XXXX until they close the account which I do believe was this last XXXX that just closed my regular chime bank account over XXXX XXXX  balance even after I explained to them that I have been a victim of identity, theft and supply documents proven I filed a police report just as soon as I came home and was able to do so I will be disputing the Chime credit builder account through the mail with all three major credit bureaus because they are violating the fair credit reporting act by reporting false information
Consumer complaint received 2023-08-17
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. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, 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 1681 c. ( 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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My account was limited for 180 days and receive an email telling me, i WAN NA oNLY SEND MONEY TO ANOTHER SERVICES AND THIS MONEY NOT FOR ME. IT'S FOR DROPSHIPPING
Consumer complaint received 2023-02-08
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. (FL)

Experian ph # XXXX XXXX XXXX Is reporting this fraud and identity theft on my report as a closed account please remove XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account number XXXX XXXX XXXX XXXX PL XXXX XXXX, SD XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account number XXXX XXXX XXXX XXXX PL XXXX XXXX, SD XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2022-05-18
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. (NJ)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX 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 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (PA)

I have been a Chase cardholder since XXXX. My card is a Chase Freedom XXXX with a credit limit of over {$14000.00}. I have always paid my bills on time in the complete amount that is due. The same is true for other credit card bills I incur as well as all other bills for which I am responsible. According to Chase 's XXXX XXXX website my XXXX  Score as of today, XX/XX/XXXX, is XXXX. My XXXX XXXX Score XXXX is XXXX according to XXXX. Recently I noticed on a statement that should I carry over any part of a balance beyond the due date for that billing cycle I would be charged interest at a rate of 29.99 %. I have not been charged interest because I do pay the full balance on time, but I was alarmed that the rate seemed unusually and inexplicably high given my credit score and credit history. On XX/XX/XXXX I called Chase to find out why and to ask them to lower the rate to an amount consistent with my credit worthiness. During the call I found out that the maximum rate they charge customers for that particular card is slightly over 29 %, and that I would be charged above the maximum should I not pay the full amount. The person with whom I was speaking said she didn't have authority to change the rate but that she would escalate my request and that I would get a response by mail within 7 to 10 business days. As of today, 15 business days later, I have not received the letter, so I called again. I was told that Chase would not even reduce my rate to the maximum rate for the card and given no explanation for the unreasonably high interest rate. The woman with whom I spoke this evening said my complaint would be noted, and that I would get a response. There would seem to be no rational reason for my interest rate to be exorbitantly high, especially given that Chase itself tells me that I have excellent credit and provides the facts that bear that out.
Consumer complaint received 2023-02-08
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX  opened XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have my right to privacy 15 U.S.C 1681 section 604 A sectition 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION (TX)

I divorced my ex-husband in XXXX. At some point after our divorce was final, he opened a student loan with SallieMae and they included me on his loan without my consent. To this date I continue to receive collections correspondence for his account stating that I owe the money. I have contacted SallieMae multiple times regarding these letters and the loan. Every time I call them, they assure me that I am not on the loan and that they have removed me from their mailing list. 

Today I received another letter stating that his loan will be reported to my credit bureau for non payment. 

The customer identification number is XXXX. 
My ex-husband 's name is XXXX XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NM)

XXXX Bank - torrid credit card. They have not reported any account changes since XX/XX/2022. I have since paid off the account, and my report is still reflecting a high balance of around {$2300.00}. My balance is now at {$200.00}. It has impacted my ability to gain financing with other lenders. I have reached out to Commenity and they state that they will update my account in 1 to 2 billing cycles, but it still has not happened. It has been almost 6 months and I don't know how to get them to comply.
Consumer complaint received 2023-08-16
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX  XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2024-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

I have been trying to use JPMorgan Chase 's website to open a CD account with funds available from my Chase checking account. For the last three days I have been receiving a message stating " It looks like this isn't working right now ''. I called customer service who put me on hold for 45 minutes to transfer me to another representative, who then said I'd have to be transferred again. I ended the call knowing it was going nowhere. 

They are wasting my time, which has value, and preventing me from accessing a product to earn money off my deposited balance. 

Further, the last time I had a CD account with them ( which I was able to open through their website without the issues described above ), upon maturity, the balance rolled into a new CD paying a lower rate. A CD at a different rate is a different product, and an auto-renewal into a different product should be illegal.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (AL)

I have XXXX credit files with equifax and have called multiple times to get them merged. I have sent my verification information several times. I keep getting the run around. Every time I call they say they dont have any information. It is beyond frustrating and you can not get a supervisor on the phone or file a complaint with equifax. This is the only credit bureau that I am having a problem with. The others are correct.
Consumer complaint received 2022-11-13
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. (PA)

I have personally disputed an inaccurate account with this CRA as well as the furnisher of this information twice. On XX/XX/2022 i mailed in a certified letter to Equifax to dispute this incorrect information they are reporting. I called into Equifax on XX/XX/2022 to ask why no dispute has been opened on my behalf about this account and was told that i disputed this account before and they will NOT reinvestagate this account. 
Equifax is reporting an account from XXXX XXXX XXXX ( a debt collector ) on behalf of XXXX XXXX XXXX due as of XXXX XXXX in the amount of {$1000.00}. I have a letter from the original company stating that the amount of {$1000.00} was due on XX/XX/2022. How can an account be past due from XXXX if it isnt due until XXXX. I also sent a certified letter to this company to verify this debt with NO RESPONCE. This inaccurate account needs to be DELETED!
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, Kia finance America received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months. On XX/XX/XXXX, someone from Kia finance america told me I was late for two months and that my statements was incorrect. Now they reported me late and my credit dropped XXXX points. This is not fair to me or my credit that they sent me no payment due statements and now trying to backtrack saying I owe. I had a XXXX credit score now I do not because of kia negligence. Also, they are saying I owe {$2800.00}. This is causing me financial distress and emotional distress because now I have to worry about them repossessing my car and I have XXXX toddlers. I have to get back and forth to work and take my children to school and daycare. This is not fair, and now my credit is hurting. Please let me know if you can assist.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no knowledge of this collection account Transunion is reporting XXXX XXXX XXXX XXXX XX/XX/2021 {$6000.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank I opened a secured credit card with TD bank with a {$600.00} deposit I received the card I used {$640.00} on the car XXXX paid the card off the XXXX {$640.00} all the purchases that I made had posted and was paid which was the entire {$640.00} TD bank though still have the purchases showing as pending and posted and are hold my full amount of available credit of {$600.00} until the pending balance which has already posted falls off I this isn't right especially because this is a secured card if I make my full payment that full payment amount is supposed to be available to me. But because I'm a XXXX individual they are doing this if I was a race of another XXXX I wouldn't receive this treatment they're always locking my card and wouldn't make my credit available to me.
Consumer complaint received 2022-11-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have applied for the XXXXXXXX XXXX XXXX, and the application was process for a totally different program, and I was denied even though I provided proof which should have qualified us for the XXXX XXXX XXXX such as loss of income.
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 at XXXX XXXX. XXXX from wells Fargo refused to help me with the proper filing of a dispute because the bank does not allow a consumer to file for a chargeback on issues with billing errors or abuse of terms of service by the provider. She refused to transfer me to another banker and refused to transfer me to a supervisor. I explained my claim was already filed, to which she responded she was denying it. I questioned how the bank could deny a claim without documentation to which she responded she didn't need it. This is in violation of my rights and I will close the account immediately after I have this issue resolved. 


Dispute # XXXX
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I am XXXX in the XXXX which is low ranking solider and I was contacted by a " XXXX '' asking me about mypay and that my pay was wrong. He asked me that in order to correct it I needed to send the money to him and that he will fix. I told I felt funny about it and he said that this is the XXXX way and thats how we run things. He claimed that we were going to meet in his office on monday and everything was going to be resolved. Well I followed his instructions and he said he will call me back to follow up and he never called.