davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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. (WI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-15
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. (LA)

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

15U.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 2022-05-30
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)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (TX)

I went to the XXXX to pull out my money for rent in the atm chime sent me too & nothing came out I call support the same minute & they said they investigate i then received a message in my email that the money will be sent back then I checked the app on the day it was supposed to receive it & it said it was denied I called so they can give me a explanation & they said they will send it to me which they never did
Consumer complaint received 2023-04-09
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)

I am request that the XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (MO)

Around XXXX XXXX I took out a loan with affirm to pay for a XXXX purchase and it totaled XXXX which this includes XXXX apr. I was paying off the loan paying XXXX per month. On or about XXXX XXXX I returned my item back to XXXX. At that time I already made a few payments which my balance was at {$490.00}. on XXXX XXXX XXXX sent me an email saying they have refunded me {$1000.00}. I also received an email from affirm XXXX XXXX saying my account was credited XXXX and I now owe {$0.00}. When I log into my affirm account I did not see the credit or that I had a {$0.00} balance so I contacted them on XXXX XXXX and spoke with XXXX and I was told to check my bank account but when I did I was not sent the entire amount that XXXX refunded me to total the {$1000.00}. In my account ending in XXXX I was credited {$370.00} and my account ending in XXXX I was credited {$140.00} with both of those accounts together only total {$520.00} which leaves XXXX unaccounted for and affirm is now saying I still owe them. They took the remaining of my money and is not reporting it and trying to make me pay them twice.
Consumer complaint received 2023-10-18
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. (OH)

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following accounts. These companies, XXXX, Exuifax and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 
Also inclouded will be inquiries that I have no connection with and not doing any business. These inquiries are causing negative effects to my credit profile and I wish to also have them removed. 
I am including photos of my identification so that any incorrect information including wrong addresses and incorrect names. 
Closed 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 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 Laws connected : Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ).

604 ( 15 U.S.C. 1681b ).

604 ( a ) ( 3 ) ( D ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ( D ) ) ;
Consumer complaint received 2022-12-18
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. (NJ)

I have disputes negative informatiom with the credit reporters about and XXXX  account with XXXXXXXX XXXX thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.
Consumer complaint received 2022-05-30
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. (NY)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # 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 15 U.S.C 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 2022-04-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

In XX/XX/2021 i asked my lease company for a deferment they granted it said once I pay them {$360.00} the two payments i couldnt make would go to the end of the lease. On XX/XX/2021 i made the {$360.00} payment over the phone with a representative to start the deferment & Ive been up to date since even pay extra sometimes. I get a default letter in the mail I call XXXX XXXX XXXX they state i never made the {$360.00} payment I then brought up the bank statement told exact date & payment she then found it & stated the representative accidentally made the payment towards a month payment instead of the deferment so when i made my next monthly payment it went to the deferment & not my monthly payment causing me to be behind & report to my credit that i wasnt making on time payments they apologized & assured me they would fix the payments & take the negative credit report away now as Im typing this this is my second time on hold today for over an hour. They wont take my calls or call me back to fix the situation
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2019, I upgraded my HSBC basic checking account to premier checking account. HSBC sent me a new debit card ( without my awareness ) and a new credit card, but I never received them in my mail. 

On XX/XX/2019, I received multiple fraud alerts in my mobile phone warning me HSBC suspect fraud on my card account ( s ). I called HSBC security center immediately, confirmed the fraud transactions because I never received my debit card and credit card. I requested HSBC to close my debit card and credit card immediately.

However, HSBC didn't refund me all the fraud transactions made on XX/XX/2019 on my card accounts. On XX/XX/2019, HSBC sent me a letter claiming that the transactions on my card accounts were " AUTHORIZED '', and therefore they're denying my claim.

This is absolutely UNACCEPTABLE! HSBC is un-professional, unreliable and their fraud investigation is totally WRONG!!!
Consumer complaint received 2022-12-19
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2019 I mailed a certified letter to Transunion disputing a number of unverified items accounts listed on my credit report. I received notice that Transunion received this letter on XX/XX/2019. Transunion responded to my dispute on XX/XX/2019 to all the accounts listed, but failed to provide a result on the XXXX XXXX account. It is now XX/XX/2019 and I have not received a response regarding the investigation of the account.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

Hello, I have {$730.00} in my Chime Checking Account. Chime closed my account after years of having an account with them. They told me " Weve identified activity on your account that does not comply with the terms of Chime 's Deposit Account Agreement. '' When I asked them to reopen my account so that I can withdraw my funds, they told me " we can't do that because it's against our policy, even though it's a simple click of a button, it's our policy. '' They told me that they'll send a check in the mail to the address to my former address after 30 days, which I have informed them that I no longer live there. 

After informing them that I no longer live there, they said that they're still going to send a check to my old address which is in a different city and most likely has a new resident in it. 

I've informed them that the only way for me to retrieve my funds is for them to reopen my account for 1 day and allow for me to transfer my funds out to my new bank account. 

Chime has locked me out of my account, with my funds locked in the account. I'm contacting CFPB, so that I can gain access to my Chime account for 1 day, and transfer out my funds.
Consumer complaint received 2024-04-02
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 someone compromised my information and withdrew money from my account. You can see in my account information that they tried several times, before they were able to withdraw money. I have been at that ATM the day before to withdraw money, so therefore I am sure my information was stolen from that ATM and they withdraw about {$600.00} from my account.
Consumer complaint received 2022-12-18
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Social Finance, Inc. (CA)

I have a USD account with SoFi, that comes with a MasterCard branded debit card. The account comes with no foreign currency transaction fees. 

On XX/XX/2022, and XX/XX/2022, I completed 2 ATM withdrawals in XXXX  currency. XXXX  to USD rate, for Mastercard transactions, for those days, is XXXX. This is directly from the Mastercard website. 

Even though I am supposed to get no foreign currency transaction fees on my account, SoFi marked up the Mastercard rate and process the transactions at XXXX exchange rate. I would consider a rate markup, by SoFi, a foreign currency transaction fee.
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (TX)

company overcharging me and hitting up my credit report. I been paying, and they sent me to collections and charge-offs. I been paying for products that don't work, from XXXX. They won't acknowledge that the company sold me bad products. 

Resolution stop attacking my credit report and I paid off my chargeback and collections accounts
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-19
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a 30-day late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 day late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate this illogical status. Otherwise, CORRECT this account ASAP. 

XXXX XXXX
Consumer complaint received 2022-12-19
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: CBC Companies, Inc. (MD)

I am submitting this CFPB complaint to request the removal of the erroneous accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. The Information you report on my Credit File belongs to my brother, XXXX XXXX. I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am including this report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/1985 XXXX XXXX XXXX XXXX  Balance {$540.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX {$450.00}
Consumer complaint received 2019-07-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

I have a letter from Ditech Financial, LLC settling my mobile home mortgage loan for {$15000.00}. I mailed them a good check for {$15000.00} to pay my account in full. They have posted that {$15000.00} payment as a regular payment and no one at Ditech seems to know whats going on with anything EVER and could care less about fixing the issue. They have given me a deadline of XX/XX/2019 per the letter to pay this account in full for {$15000.00} which I sent to them. I need some help forcing Ditech Financial to adhere to their end of this bargain and agreement dated XX/XX/2019. Can you please help me?