davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

After receiving government funding, chime suspended my account. About {$5000.00} was left and I am not able to use it. This happened 6 months ago. I have provided all documentation requested. They have now ignored all requests. The pandemic was tough on my family and I received these funds to assist with relief. Please help me get my money back. Thanks!
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I got a letter from California tax fanchise board of unpaid state taxes from 2013. I called them and explained I 'm XXXX XXXX military and have been for 22 years. I have not lived in california for 22 years. I am exempt from paying state taxes for Califronia. They admitted it was a error right away and XXXX out the debt. However, the very next day a tax lien hit my credit reports. I have submitted to all XXXX credit reporting sites. The lien is coming back paid BUT will remain on my credit until XXXX. I called the fanchise board to have this removed and was told the XXXX XXXX office wouldd have to remove it. When I called them I was told no the franchise board would be the ones to remove it. The recorders office did say its showing on their end as a error. So why is it on my credit report as a released tax lien. I need help to get this resolved and off my credit reports. Thanks in advance for the help.
Consumer complaint received 2023-02-07
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. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Consumer complaint received 2022-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was scammed out of {$400.00} using XXXX through Chase mobile app. I contacted my bank ( Chase ) immediately but was told that I couldn't file a complaint yet bc the money was pending on my account even though the money had been transferred immediately into the scammers account. When I finally spoke to Chase after hours of being on hold, they said they dont dispute XXXX transfers but gave me a complaint number. They said they would let XXXX know and see if I could get a courtesy recovery of the money. I told them I knew alot of info on the scammer bc I did my own detective work i said i wanted to file a police report and any info they could give me would help. Not even 12 hours later I get email saying my case was closed. By this time I had filed a report on XXXX website. I called Chase n explained I wanted to file a police report n needed more info, they put me on hold to another department that supposedly handles that. Over an hour on hold n hung up bc my lunch break was over. Called back next day and was told there never was another department n wasn't sure why they put me on hold. So they gave me a case number to call XXXX with but wouldn't provide a phone number. Called XXXX n they said there is no such case number. Felt like Chase gave me run around twice n closed my complaint between XXXX and XXXX without investigating anything for me. I've banked with Chase for over 15 years. When I called XXXX they told me they couldn't get money back.which I said, if you know who's account it was sent to and you sent it to them why can't you take the money out of their account. I can provide lots of proof it was scam or fraud. They said they can't n they also can't provide any of that account holders info for my police report. I begged them to at least put a stop to the scammed. So they took some information I had like email addresses, phone numbers, XXXX account info n said they would flag their account. I don't understand if we have the person name, bank, email, phone number, address how I can't get my money returned from this person. Chase said I could get a courtesy recovery. Please help because {$400.00} is alot of money to me. And I feel that Chase did nothing to help n put me on false holds and gave me false case numbers to use n wouldn't even give me XXXX phone number. 
Chase complaint # XXXX XXXX case # XXXX? 
Transaction # XXXX XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MI)

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. 

DATE XXXX XXXX XXXX AMOUNT {$500.00}
Consumer complaint received 2022-01-30
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. (TX)

Pursuant to 15 USC 1681 ( a ) ( 4 ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the XXXX XXXX allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.
Consumer complaint received 2022-01-30
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. (TX)

Pursuant to 15 USC 1681 ( a ) ( 4 ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the XXXX XXXX allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pursuant to 15 USC 1681 ( a ) ( XXXX ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the XXXX XXXX allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (VA)

I recently checked my credit report and found that a collection was posted to my account. 

The collection was filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The original debtor was XXXX XXXX XXXX XXXX, XXXX @ XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I NEVER received an actual bill nor notice from original creditor that alleged debt would be turned over to a collection agency. 

I NEVER had a chance to pay or resolve the original creditor before debt was parked with this collection agency. 

I can not pay a debit unless I receive a bill and/or notification of debt. 

As a result of this blindsiding collection attempt - my credit rating has been ruined! 

I am willing to resolve this debt with the original creditor if it is a legitimate debt, but most importantly I demand that this collection be removed from all credit bureaus it is reported to and that my excellent credit be restored.
Consumer complaint received 2024-03-13
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. (NY)

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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-20
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. (VA)

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account 's high balance, nor do I recognize the later payments associated with it. Everything reported here does not meet the FCRA. 

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 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 an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot 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 reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-19
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. (SC)

In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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 an account without my written instructions.
Consumer complaint received 2023-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (WI)

There was a net credit account on my credit report from XXXX. This was from a divorce and was resolved and the balance was roughly XXXX. In XX/XX/XXXX, I had a new account added to my credit for {$2700.00} for XXXX XXXX for net credit. This account is not mine and is for a completely different amount from the previous account.
Consumer complaint received 2023-02-07
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: Bread Financial Holdings, Inc. (MD)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b 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 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I seen inquiries I didnt recognize I sent a letter informing transunion about the inquiries i have yet to receive an investigation response back from the bureau in response. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2017-01-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: AFNI INC. (AZ)

I have never had at XXXX account much less want one. I have received a letter from afini collection in Illinois and so far what I Ave read about them they are either a scam or they are a third party debt collector. If them hey have my ss number and report them hey his them hey his own my credit then someone has either stole my identity or used my name and ss number somewhere without me knowing. This is not my debt as I have never had XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my serious concern and frustration regarding the multiple, unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are negatively affecting my credit profile and financial well-being. 


There are inquiries and inaccurate addresses listed on my credit report that I believe are the result of identity theft or fraud. These items do not belong to me, and their presence is unjustly damaging my credit score. 
I have diligently followed the established procedures for disputing inaccuracies in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

My previous dispute letters and supporting documents have received little to no response, leaving me unsure of the progress or status of my disputes. 
The delay in resolving these fraudulent items has caused significant financial distress and limited my ability to access fair credit and financial opportunities. 

The presence of these fraudulent items continues to damage my credit score, making it difficult for me to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting and am committed to working with your credit bureau to ensure the integrity of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me deeply frustrated and anxious. 

I kindly request that your credit bureau conducts a thorough and immediate investigation into the fraudulent items I have reported and takes swift action to remove them. I also request regular updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my XXXX attempts to rectify these fraudulent items. I am asking for your immediate assistance to remove the fraudulent items in my credit report : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (CA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX
Consumer complaint received 2017-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE ()

Respected sir, I am a USA citizen and presently residing in XXXX, I want a transaction history of the amount that I have transferred to XXXX from USA. I have contacted the bank but they could not provide me the same. I am fighting a litigation in XXXX and this is very important for me.