davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (AZ)

I bought a gift card and put {$25.00} dollars on this card and I couldn't use it so they sent me a regular card with my name on it and I didn't want to make an account I just wanted to use it in case of an emergency well I tried using my card and they can't find my account and I tried calling them and all I get is a recording I tried emailing them to no Advil so I want to know where is my money at. And if possible I want to get my money back or tell me what happened to the money. I'm just to use my card so I can the money I put on this card
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (TX)

There are a lot of the transactions but mostly transactions or hold that I didn't get put back into the account I have a lot of XXXX XXXX and XXXX transactions that I did not use and I have other unauthorized charges that happen on my card and wisely pay when I helped me because they said the transactions are older than a year but I've been through a lot in a year with losing family family catching XXXX lost my own family my job my car my place I've been in the XXXX that I finally upheld and I know it has been a little bit of time but I don't think that is right especially with me not even being able to file disputes with me not even being in the right State of mind at the time
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (PA)

This is XXXX XXXX and I am submitting this CFPB complaint. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law to resolve this matter as soon as possible. 
XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX and I am submitting this CFPB complaint. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law to resolve this matter as soon as possible. 
XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$700.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The company mentioned below ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX Utilities and Fuel
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX LOT XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX SC XXXX ; Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00}.
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is ina accurate, the date last active is inaccurate and the date last reported is inaccurate. The grounds for removal they also violated my right under. 

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

15 U. S. C. 1681 section 604 a section 2 ; it states a consumer reporting agency can not furnish my account without written instructions. 


Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking number.
Consumer complaint received 2022-06-06
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. (CA)

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Account : XXXX XXXX BANK XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit XXXX  : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-06
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: MoneyLion Inc. (IL)

I never created this account with Moneylion. This is a scammer or a scam business. I have sent them several letters notifying them that i never created this account they refused to do their due diligence and actually investigate the matter sending me letters saying that they have closed the case and determined that I actually opened this account. The burden on proof is on them and I have not received anything that could be considered " proof ''
Consumer complaint received 2019-08-06
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)

First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX  XXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

On XX/XX/XXXX at XXXX, I was having breakfast with my nephews at XXXX in XXXX Wa XXXX when I received 2 text alerts, 1 for {$400.00} ATM withdrawal, 2nd for {$320.00} ATM withdrawal, I immediately ran out of restaurant to call Chime customer service to inform them of the fraudulent withdrawals, they informed me I had to wait till the transactions settled before I can file a dispute, the transactions settled Saturday XX/XX/XXXX, so I filed the dispute and sent all my documents showing I was at XXXX and XXXX min away in XXXX XXXX Wa. My receipt at XXXX restaurant shows XXXX when I ordered our breakfast, the 2 ATM withdrawals were done at XXXX, and XXXX 1 minute apart at XXXX XXXX store in XXXX XXXX Wa XXXX my argument to Chime dispute department was, how could I have been in 2 places at the same time? Also I called the XXXX XXXX store and left a message for owner to call me so I could report what happened, but I got no call back. Chime denied my claim stating there was no error, so I was furious and called chime dispute department again to reopen my claim that I was going to forward additional documents regarding my dispute claim, I forwarded photos that the manager at XXXX retrieved from the restaurants surveillance camera showing my nephews and I sitting at our table in the restaurant at the time the ATM withdrawals occurred and a screenshot of my police report I filed with the XXXX Police Department with the tracking number from the police report, I asked chime for a provisional credit due to the fact that the person who fraudulently took my money from my account wiped me out! I dont have money for gas, or food due to this criminal activity, Ive read other complaints against chimes unethical practices and so Im reaching out to you organization for help! Please help me.. Im desperate and in need of help!
Consumer complaint received 2019-08-06
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. (TX)

The following accounts were never a charge off, I never made a late payment on the accounts ever. 120 days late on succeeding succeeding months, with different balances? How is this even possible? Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX,
Consumer complaint received 2019-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

This is my third attempt to explain precisely what the issue is. Previous complaint # XXXX was closed. I will elaborate. 

In XX/XX/2016, my XXXX XXXX opened a Credit Card with Capital One. This is a business account, not a personal account. The business is an LLC, and has all necessary documentation filed with the state as well as a EIN # for tax purposes. It should not be on my credit report. XXXX  and XXXX  will not remove this business account from my credit report. XXXX XXXX removed it from my report without resistance. 

I did not agree to a personal account, I specifically asked the agent on the phone for a business card. I was assured by the agent at Capital One that this was a business account, not a personal account. Repeated inquiries to Capital One were made after the account was opened, and I was assured over and over that this is a business account. the credit reports ALSO list it as a business account. I do not understand why it continues to be tied to my personal credit report. I would like to know the truth as to why this remains on my credit report. Was a misled into a credit product that is actually not a business card?
Consumer complaint received 2022-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (VA)

I went onto my XXXX  XXXX account to check my credit score. It was lowered from XXXX to XXXX. I remembered that I was sent a letter from the Levy Law Firm Co. , LPA, who, I have been waiting since XX/XX/XXXX of this year ( the first time I called the firm I couldn't get in contact with the debt collector, but I left a message to their voicemail ) to hear from them about a XXXX debt I owed for some kind of medical bill. After the 4th time I tried to get in contact with them since XXXX, which was today, a debt collector answered the phone. I asked why I have had not received a response since XXXX, and their excuse was that they did not have enough people to answer the phones because of Covid-19. The debt collector then told me that I owed a XXXX debt for a missed appointment on XX/XX/2021, with a Doctor XXXX XXXX who practices for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The debt collector gave me the phone number to the XXXX billing department so I could talk to them about the medical bill and find out what it was for. I told the debt collector that I would call her back. I then called the XXXX billing department. It turned out I did miss an appointment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021, which was an appointment with an allergist. The XXXX billing department said they sent me four letters after XX/XX/2021, with a bill for the missed appointment, with the first one being sent out on XX/XX/2021. I tried to explain to them that I had never received any bills from them in the mail, but they did not believe me. They told me that it was " out of their hands '' and that I should call the debt collector back. I called back the debt collector at the XXXX XXXX XXXX XXXX XXXX and was sent to voicemail again. I believe that the XXXX XXXX XXXX XXXX intentionally did not call me since the time I left the voicemail in XXXX so I could not pay off the debt and so that I would be penalized on my credit score. There excuse for not calling me back was because they did not have enough people to answer the phones because of Covid-19, but that is unacceptable because they are a law firm/debt collector and definitely could have followed up with me after I left the voicemail by calling me back and allowing me to set up a payment plan with them like was originally mentioned in the letter, but they did not do that.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Received a voicemail and message from my mom regarding a civil suit for a breach in contract with Fifth Third Bank from a checking account for $ XXXX XXXX that was XXXX in XX/XX/XXXX. Informed that notice would be served to my employer on XX/XX/XXXX of the balance was paid along with litigation filing fees.
Consumer complaint received 2024-03-06
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. (LA)

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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 2022-09-29
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. (CA)

I am a natural person, am a living human being, have rights under 15 USC 1681. 

XXXX, TransUnion, XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

BANKRUPTCY
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the open date is ina accurate, the date last active is inaccurate and the date last reported is inaccurate. The grounds for removal they also violated my right under.

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

15 U. S. C. 1681 section 604 a section 2 ; it states a consumer reporting agency can not furnish my account without written instructions.

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking number.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- Company : 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 XXXX XXXX XXXX XXXX XXXX LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX ( Original XXXX XXXX XXXX ) Acct # XXXX XXXX Acct # XXXX US DEPT ED Acct XXXX XXXXXXXX XXXX  XXXX XXXX  # XXXX