davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-02
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. (FL)

The following companies made hard credit inquiry without my permission. 
XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX   XXXX - XXXX- XX/XX/2020 XXXX  XXXX - XX/XX/2020 2020
Consumer complaint received 2023-06-29
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. (NJ)

My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of XXXX XXXX as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED. 

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

STUDENT LOANS ARE NO LONGER WITH NAVIENT PER NAVIENT ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE NAVIET OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT NAVIENT DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH AID ADVANTAGE THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY NAVIENT.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

On Tuesday XX/XX/XXXX I received a letter response from chimeXXXX bank through CFPB portal that I needed to file a dispute in reference to my complaint. I spoke with chime this morning and they submitted my dispute and immediately denied my claim stating there was no wrong doing. I am extremely upset that their decision was made quickly without proper investigation of this matter. I want this to fixed and I want my money back as I clearly am a victim if identity theft. Below are the details of what happened that triggered this complaint process. I have taken the time to do everything right and I have followed all steps regarding this matter and I just will not accept a denial from a bank that allows fraud to happen to their customers. Please see below dispute. 

On Friday XX/XX/XXXX there were XXXX UNAUTHORIZED ATM TRANSACTIONS that were made at XXXX am for {$400.00} and at XXXX for {$100.00} at XXXX XXXX XXXX XXXX Texas and another transaction at XXXX Plus in XXXX XXXX XXXX XXXX at XXXX. I called Chime customer service department and requested for the call to be escalated to a supervisor named XXXX. I informed him that these transactions were done in a matter of minutes apart in different states and demanded I get an immediate provisional credit because I have pending bills to pay. I need the CFPB assistance to please allow me to get my money returned to me as soon as possible based simply because of the obvious that these transactions were done in XXXX state different jurisdictions of states in which were done without my authorization or my physical presence. XXXX informed me that he would inform the investigators in their department the severity and urgency of this matter and would inform us by email or phone with XXXX to XXXX business days. I am requesting assistance in this matter to help me get my money back immediately based on the severity of these matters of injustice.
Consumer complaint received 2021-11-24
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)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2018-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

Coinbase, a bitcoin exchange, charged my card 5 times for a total of {$410.00}. These were unauthorized transactions that happened over a month ago. Every time i reach out to them they said they can not issue a refund and dont know where my money went. Ive contacted them over and over again.
Consumer complaint received 2023-06-29
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-01-06
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. (FL)

unauthorized inquiries. these need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-06
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. (FL)

incorrect info on my reports 1.XXXX XXXX XXXX XXXX 2019 says missed payment. ( i was never late } 2. XXXX XXXX XXXX : stated XXXX 2019 says missed payment. ( i was never late }
Consumer complaint received 2023-06-29
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. (MN)

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX .... & XXXX XXXX XXXX XXXX ....
Consumer complaint received 2020-01-06
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. (FL)

incorrect info on my reports 1.XXXX XXXX XXXX XXXXt 2019 says missed payment. ( i was never late } 2. XXXX XXXX XXXX : stated XXXX 2019 says missed payment. ( i was never late }
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Mr Cooper has failed to have proper procedures to safeguard against unauthorized autodrafts for customer 's mortgage payments. In XXXX they charged me for 3 mortgage payments. In XX/XX/XXXXit has happened again, FOR A THIRD TIME this month though there weren't enough funds in the account for the third unlawful payment draft. 

XXXX {$1300.00} taken from my checking account after autodraft with previous mortgage holder had been revoked. 
XXXX {$1300.00} again taken from my checking account. Paper check had already been processed for XXXX mortgage payment, however, 2 additional mortgage payments were deducted. Amounts were credited back on XXXX and XXXX. 

Mr Cooper as well as my bank ( XXXX XXXX XXXX  and XXXX XXXX ) were advised that the previous autodraft authorization had been revoked by me, by phone and online with XXXX XXXX and was no longer in force. I was advised that the problem had been handled. 

On XXXX payment was submitted through online banking for {$1300.00} On XXXX, Mr Cooper again autodrafted my bank account for another {$1300.00}.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

This company was not supposed to report anything on anybodys credit bureaus for the set account prior to XXXX 2019 per their letter they reported negative information on my report before the date of that letter I disputed it with them several times and also received a letter from them stating that I was correct in that it would be deleted off of my report they have never done that and continue to tell that credit bureaus that its accurate and its not I would just like the delinquency is removed and it reported from XXXX forward as promised by there later
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AL)

I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
Consumer complaint received 2020-01-06
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: EQUIFAX, INC. (FL)

I wrote XXXX to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MN)

Both XXXX XXXX XXXX  and XXXX ( aka XXXX XXXX XXXX ) have violated ; FDCPA ; Practicing Unlawful Debt Collection ; illegally Attempt to Collect a Settle Debt ; Illegally Attempting to Collect a Debt Not Owed and Falsification of Debt Owed Both XXXX and XXXX ( aka XXXX XXXX XXXX ) are illegally attempting to collect a settled debt from Case No. XXXX ( XXXX vs. XXXX XXXX ) Filed XX/XX/2008 in XXXX, MN with Settlement Judgement reached XX/XX/2008 and Recorded XX/XX/2008. 

XXXX ( XXXX XXXX XXXX ) illegally misrepresented themselves as student loan collectors from XXXX. Only when my wife and I were victims of identity theft was when I found out that they were collecting on same settled debt from Citifinancial. They ceased collections after I filed numerous complaints and threaten lawsuit. They were supposed to refund all the money they took from me and never did. 

CitiFinancial has also not been helpful in attempts to find records of this disputed settled debt. In addition to having both the court administrators office and my bank looking for paperwork from 11 years ago.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCE CORPORATION (AL)

I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
Consumer complaint received 2020-01-06
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. (TN)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX  that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX.
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-03-02
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. (FL)

There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.
Consumer complaint received 2022-12-27
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. (FL)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2020-01-06
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. (TN)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXXXXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX  that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

I purchased a ticket through zelle and XXXX bank, after reviewing ticketmasters policies. XXXX claimed that tickets were instantaneous and not refundable when transferred. After the seller transferred me a ticket and I accepted it a little while later XXXX emailed me saying they were fraudulent. according to ticketmasters online statements once you accept the tickets there is no problem. These tickets turned out to be fraudulent and now XXXX nor zellewill refund my {$270.00}. The ticket transfers were done with in the XXXX app.
Consumer complaint received 2022-12-27
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. (AR)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Uder the FCRA section 605b, please remove the following items from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.