davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX Chase Bank texted me about a fraudulent charge on my account in the amount of XXXX. I immediately texted back no and the said that they will deny the charge via text. I then continued to excuse myself from work to go handle the situation over a phone call. This was right before XXXX mind you and the charged wiped out my entire account to the point I was negative. Forward to the conversation with chase, I filed the claim and they. reimbursed me the XXXX... now XX/XX/XXXX the decided that they will deny my claim again stating that my pin number was used to make the charge?? Made my account negative again and took back the XXXX I was already credited from them. This is madness. I stated my card was in my possession in the fist call and do not know how they were able to get my pin but this is what happened. I have been with this co over 18 years. now I am being charged for someone to steal my money.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CT)

On XX/XX/XXXX I mobile deposited a check with Chime. After realizing a short while later I called Chime to cancel the transaction, which they offer as a service. After waiting on hold for nearly 2 hours a representative answers and I explain what Im looking to do. She advises I need to speak with a supervisor and transfers me. I wait on hold for another 45 minutes and finally get connected. I explain to the supervisor I want to cancel my mobile check deposit so I can take it to the issuing bank and cash it. The supervisor tells me no need to do that because all of my funds would be available that night between XXXX. After hearing that I decide not to cancel the check thinking I will have my funds when I wake up. Next day wake up and no funds. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was advised by every representative I spoke to that all of my funds would become available shortly after our call ended. On one of the calls the representative even said he was sending a note to the processing team to speed it up and assured me that within 30 minutes to 2 hours I would have all of my funds. Again here we are its the 5th and still no funds. Yesterday I called and asked to speak with the highest manager which I was connected to after 3 and a half hours of being on hold. He claimed he was opening a case to review all of the calls and would also try to speed up the process of releasing my funds. Told me to keep an eye on my emails because someone would be contacting me soon regarding the situation. Its now 24 hours later and I have no heard from anyone. Bottom line I was mislead and lied to on multiple occasions. My original plan to cancel the deposit so I could go to the issuing bank was changed due to a lie. Had I been informed of the actual process and timeframe it would take for this transaction to happen, I never would have just left the check in the bank. This was a check from my employer for emergency funds which I could of had almost a week ago now had I not been mislead and lied to repeatedly. This is the worst customer service Ive ever seen in my entire life. The check was for {$1200.00} of which {$200.00} was released the day after depositing. My account with them has monthly direct deposits of between {$15000.00} - {$20000.00}. Im finding it incredibly frustrating with that amount of money going into my account they can not release {$1000.00}. I would not be upset at this situation had I made the decision knowing it would take nearly 2 weeks to process. Again I was mislead and lied to by 3-4 representatives and 2 supervisors. Chime has the worst client service team Ive ever experienced and they clearly could not care less about their customers.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-03
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: Complete Credit Solutions, Inc. (PA)

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.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (SC)

Conns XXXX XXXX keeps stating on my credit report that my balance is much higher than it is. 

I took out a loan for a washer and dryer for a total of {$1900.00} Several times Conns has updated my loan on my credit report for several balances higher than the original amount. As of XX/XX/year>, my balance on the account is on time, and balance remaining as {$1400.00}. 

I have disputed this with the credit bureaus and it keeps changing balances. It is essential to my career to maintain a credit score and this has affected my debt to income ratio. 

Today, after a previous dispute and it was corrected, they reported my balance as {$2900.00} with an original loan amount of {$3300.00}. 

MY BALANCE IS {$1400.00} THE ORIGINAL LOAN AMOUNT WAS {$1900.00} OR LESS DUE TO A DISCOUNT FROM THEM DAMAGING IT TWICE. 
I need this company to report CORRECTLY
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

Company has not verified I am the owner of debt, company has not verified I signed for debt. Company has yet to verify itemized amount of debts. Company never sent any information about debt. Debt was removed off other credit companies stayed on XXXX XXXX and XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX  XXXX. Please remove this account in my credit file ASAP.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (NJ)

I requested an electronic pay off statement from S.N. Servicing Company and S.N Servicing Company has not sent the pay-off statement. The attached let claims that they mailed the pay-off statement and I still have not received the electronic pay-off statement I requested. My original request was for an electronic pay-off statement to be included in their response because I would like everyone to know about what SN Servicing Company has sent me in the past. How am I going to sell my house if I don't get a pay off statement. I am requesting an electronic pay-off statement for XX/XX/2021 so I can try and get what is needed together to sell the house. I have attached the letter that they sent me.
Consumer complaint received 2021-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

This has been going on for over six years. I successfully get this removed from my credit report. Then 5,6 or 7 months later it returns. 
A practice I have learned is known as rebirthing. It appears with a new date as well have the biggest impact on my credit report. Dynamic Recovery Solutions is the current perpetrator of this scam.
Consumer complaint received 2021-01-05
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. (LA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CO)

My credit card payment status, balance, and delinquency status have been shared with XXXX parties without my consent. 

There was an authorized user, who was removed XX/XX/2023, and balances and account status and payment status continue to be reported. This gives the prior authorized user access to my confidential financial information. This is a violation of my privacy right, and the credit reporting rights of the prior authorized user. 

Apple has completely failed in their promise of privacy.
Consumer complaint received 2023-02-09
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)

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.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 I sent a letter to Equifax requesting " all methods '' of verification pursuant to FCRA 611 ( a ) ( 7 ) for the unverifiable and erroneous reporting of a bankruptcy on my credit file with Equifax. I received their correspondence stating that their method of verification of the subject item in dispute was verified by a third party vendor XXXX. 
On XX/XX/2020 I contacted XXXX in writing disputing their report of the bankruptcy in the public record section and responded on XX/XX/2020 that they were unable to VERIFY THE ACCURACY of the bankruptcy case therefore removed it from their record. 
As result I sent a dispute letter dated XX/XX/2020, to Equifax. I included the same correspondence letter from XXXX that the bankruptcy was unverifiable and that it was removed from my XXXX record so that Equifax may follow the laws remove this unverifiable bankruptcy off my credit file. I also have a letter from the US Bankruptcy Court stating they do not verify or provide information to the credit bureaus nor to XXXX. Unfortunately, Equifax negligently responded in their correspondence dated XX/XX/2020, that the bankruptcy on my credit file in the public record section WILL REMAIN on my credit file and the bankruptcy is " verified as accurate '' in-spite of the their 3rd party vendor XXXX is not able to verify it and has removed it from my record. Pursuant to the FCRA, it is illegal to report inaccurate information. Equifax is in clear violation of this rule. They lied about their verification and continue to report it on my credit file. I demand that Equifax be investigated and apply any penalties allowed under the law for violating the FCRA laws meant to protect me as a consumer.
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

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 reportsno consent is fraud. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-01-05
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. (LA)

On my XXXX account Transunion is reporting XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 as late. I spoke with XXXX XXXX department and I was informed that they did not report that to Transunion. I spoke with XXXX at Transunion who stated they received the information from XXXX. I would like for this to be looked into b/c it appears that Transunion is reporting inaccurate information. XX/XX/XXXX as well as XX/XX/XXXX have the correct information. I did file a dispute but I would like to insure that the inaccuracies are taken care of.
Consumer complaint received 2021-01-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ALLY FINANCIAL INC. (NJ)

XXXX XXXX XXXX, XXXX sent me court documents in the mail on a inactive case in which the judge ruled in my favor on XX/XX/2015. She tried to deceive me with the information that she sent me. She did not file a new Civil Action : with Superior Court Of New Jersey Law Division-Special Civil Part XXXX County. The documents stated that I had to respond in 7 days to opposed or unopposed, if not, the order of garnishment of wages will be carried out. Back around in XXXX was her first attempt to collect my debt and this is her second attempt to collect my old debt in the amount of {$6900.00}.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked at my report on XX/XX/2024 and noticed something's are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX is not complete and accurate. 

XXXX XXXX XXXX showing 100 % paid but still reporting negatively, closed account date is not reporting correctly, last activity is not reporting correctly, Times/days late incorrect, months reviewed incorrect, payment history incorrect, this account is not accurate.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

This complaint, with the correspondence/affidavit attached, is in regard to the application submitted to American Express on XX/XX/XXXX, Ref : XXXX. The application was denied and an adverse action letter was received on XX/XX/XXXX instantly. As you may be aware I, the federally protected consumer, have a right to credit, and withholding my access to my securities is also securities fraud. It also goes against American Expresss FOURTH AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT dated as of XX/XX/XXXX, the Prospectus dated XXXX XXXX XXXX the Uniform Consumer Credit Code and the Uniform Commercial Code. An eligible investment has been given and there hasnt been equal consideration. 

I've attached the correspondence/affidavit that was sent along with my Power of Attorney, XXXX Notice , Fee Schedule and identification and copyright.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

ATG Credit answered to my complaint ID XXXX XXXX this : The information provided is not adequate enough for us to identify the consumer. We would need the name of the original creditor the consumer is requesting documents for. The email, phone number and address do not match any accounts in our system. 

The only thing I can help with to provide the informarmation I can see on my XXXX credit report. The original creditor is XXXX XXXX XXXX XXXX. I do not have any other information. 
If my information doesn't match any accounts in your system, please remove my account from the collection. Thank you.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

My right to privacy is being infringed upon by LexisNexis. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, and XXXX after I have instructed them to cease in doing so via an opt-out notice.
Consumer complaint received 2023-07-13
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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