davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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: AMERICAN EXPRESS COMPANY (NY)

I received an email from XXXX XXXX XXXX that there was a recent change to my account. When I looked at the summary it seemed that AMEX ran my credit. When I called AMEX I found out someone applied for credit with my information and they were approved for XXXX. Its proving to be difficult for me to get them to cancel the card.
Consumer complaint received 2023-07-28
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OH)

Hello, The reason I am writing is due to not receiving timely updates from my loan servicer, MOHELA, regarding XXXX XXXX XXXX XXXX documents I continue to upload for the Dept of XXXX. I resubmitted my XXXX XXXX multiple times, after learning that there was missing information on XX/XX/XXXX. It was resubmitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been in the XXXX program for a number of years now, and have uploaded the same Employment Certification many times, but never had issues with " missing information '' when XXXX serviced the loans. Since the loans have been turned over to MOHELA, I am unable to receive any updates or information about my XXXX  qualifying payment count. 

MOHELA continues to provide this same response, but no further information : " As of this writing our records indicate that we received your XXXX  applications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. We will continue to process your manually submitted XXXX form using the date an authorized official from your employer signed your XXXX  form. To receive benefits of the limited XXXX  waiver, the employer 's signature and date on your XXXX  form must be on or before XXXX XXXX, XXXX, even if you submitted your form at a later date. '' When I last spoke to a MOHELA representative, they told me to reach out and check on my qualifying payments IF my Employment Recertification was not processed by XXXX. I messaged MOHELA today because if I call, it gets me nowhere ( same lack of info from the representatives ) but I do spend A LOT of time waiting on the phone.So after months of waiting, I still do not know what my current XXXX  count is. The XXXX count is critical to planning for my future career move, so it is urgent that I receive the most up to date count as soon as possible.
Consumer complaint received 2023-03-27
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. (TX)

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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$520.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXXXXXX Balance {$0.00XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$1200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX WXXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX - XXXX XXXX {$3200.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Inquiry XXXX XXXX. XXXX, XXXXXXXX XXXX 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 Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-01-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AL)

Almost 5 months ago, I had a {$1000.00} purchase order paid via Square XXXX for my small business. My account was flagged for fraudulent activity, without any explanation for why it was considered fraudulent, and they froze my funds and account. I have called, emailed, tried everything possible to talk with customer service to have my funds unfrozen so I can deposit my funds, to no avail. No one has been the least bit helpful, and for a small business owner to not have to access to funds, it is crippling. I need the {$1000.00} very badly and need these funds to be unfrozen asap.
Consumer complaint received 2022-09-05
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 — 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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$26000.00}
Consumer complaint received 2021-01-26
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: Experian Information Solutions Inc. (CO)

I tried to call the Experian at XXXX to no avail. It kept asking me to go back to menu and there is no live person to work to help customers like me. They are hardly answering the phone. Experian s goal is just to keep destroying customers credits. In pictures, please look at dates and amounts. The amounts kept changing, so did the scores. All showed I was one time late from Fall season to now. Same info on 1 time late, but the amounts and credits fell down. I had XXXX ... 1 late, then XXXX now with 1 late ... how is it possible? Plus older date shows 1 late but the amounts did change. How is it possible with same 1 late? Actually, I got late for the first time on XX/XX/XXXX using XXXX XXXX cos they d charge me {$9.00} if I want to pay thru phone. I dropped it and paid using my bank thru online. So that is why it was late, not my intentional act. 

Also, Experian recently got info on recreational loan ... recently, but I got the loan in late XXXX, 2020. Experian collected info late. Very late! I have autopay with XXXX XXXX XXXX, so I was on time. No report on it at all in Experian system. 

Experian also have conducted a business with XXXX XXXX and XXXX XXXX XXXX XXXX ... .I never use them or want to buy anything that use those companies. I dont even know what they are. I already have good running truck, so what auto do I need to look? This puzzles me. Experian is doing intentionally to harm us customers ' credits. 

Also, Experian blames me for disconnection with XXXX Bank XXXX XXXX to get Experian XXXX. It is not my fault. I don't know why they disconnected a several times. I wanted the XXXX  but Experian punished me for that. It is not my action that caused the disconnection. Perhaps, Experian is playin a game. They may disconnected to keep me and other customers stuck below XXXX for years. Their goals were to keep us below XXXX. If they care and help us customers, they wd call me and help me to improve credits. Never did. They dont even answer the nbr I called them today. No email address to contact and correspond with Experian at all. Experian XXXX is NOT THERE FOR US, therefore, u shld submit to congress to remove Experian from being our credit reporting bureau. EXPERIAN DOES NOT CARE ABOUT US, PERIOD.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act 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.
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: Experian Information Solutions Inc. (GA)

I contacted XXXX XXXX XXXX XXXX multiple times do to a discrepancy on my credit report for an old auto loan that was opened. A late payment was reported on my credit in XX/XX/XXXX. This car was deemed totaled and the bank took possession of this vehicle on XX/XX/XXXX of XXXX. I have attached the total loss letter from the insurance company numerous times with no help on this matter. I have also disputed this inaccurate information to the credit bureaus numerous times as well with no help from the company..
Consumer complaint received 2024-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MO)

On XX/XX/XXXX, I visited the XXXXXXXX XXXX ATM located inside a XXXX XXXX grocery store located at XXXX XXXX XXXX XXXX in XXXX XXXX, MO. I requested {$480.00} to be removed from my Chime Credit card acct ( which is linked to my Chime checking acct ) to pay half of my rent for XX/XX/XXXX. I did not request a receipt at the time because I knew how much I had, and it was just going to be a quick transaction since I had to have it in to the office by XXXX that day since they were leaving early. I was in a rush and either my elbow or purse pushed the money back in to the ATM as it was still clamped to the ATM and before I could reach and grab it, the ATM pulled the money back in. I frantically tried to get the money back, even tried to do another transaction thinking maybe it was placed back on my account. No luck. My balance at that time was around {$7.00}. 

Immediately after this another person tried to use the ATM ( I kept standing there ) and suddenly, the machine said it was Out of Order- at this point no one could use it without a technician. I went to the Customer Service desk at XXXX XXXX and the person who helped me went to the ATM and tried to troubleshoot it himself with no luck. He then instructed me to call XXXX XXXX which I did around XXXX XXXX CT. The rep that answered the phone told me to call my bank ( Chime through The XXXX XXXX  ) which I did. I filed a dispute with Chime and they told me it would take a few weeks for a resolution. I called XXXX XXXX  back ( around XXXX or XXXX ) and tried to get a hold of their Treasury Department since I am familiar with the banking industry That rep told me there is nothing they can help me with and no way of knowing the ATM even though I know where the ATM is located. From my personal experience, I know that is a lie. I called Chime last week to check on the dispute and they said it was rejected since I received the money. 

I did not receive the money. The ATM also has a camera attached that should prove that I never handled the money and XXXX XXXX  Treasury department should have also noticed this when the ATM was counted ( remember the ATM was rendered out of order when the money was pulled back into the ATM ). 

I am very familiar with banking and the financial industry as I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX as recently as XX/XX/XXXX, so I know how it works and I know that the ATMSs always keep a tally of the currency inside and any errors. Since XXXX, I have worked at XXXX XXXX XXXX XXXX XXXX XXXX, so I am very familiar with the banking/financial industry. 

The ATM tech also would have noticed something was awry when he came to fix the machine. XXXX XXXX  is playing with my money and I want it back. I am not a customer of theirs and will never be. Please someone investigate this and contact me via email or phone. 

I have filed a complaint with the OCC. Case number is XXXX
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

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 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)

I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

I signed up for a {$400.00} Citi bank promotion. The {$400.00} promotion required {$15000.00} to be deposited. They failed to send me a PIN so I wasn't able to open online banking and fund my account with the required amount. Due to the COVID lockdown their physical locations were closed. I reached to them on the following dates to solve the situation on time but they never got back to me : XXXX XX/XX/2020 ( got a replied for them to tweet back on XX/XX/2020 ) XX/XX/2020 XX/XX/2020 XX/XX/2020 Chat XX/XX/2020 XX/XX/2020 XX/XX/2020 Calls XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ( they opened a case for me ) They were not helpful at any time. After going through so many hoops on XX/XX/2020 they opened a case. They denied me and never even informed me.
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC (TN)

My car was deemed as a total loss. I had Insurance and GAP insurance. Theres absolutely NO REASON I should have a balance when I had insurance in place of this and this lender didnt work make sure GAP covered the balance. They instead charged me fees that I shouldnt have or be responsible for
Consumer complaint received 2023-01-21
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. (MI)

In accordance with the fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681. 
1 ) XXXX  XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX # XXXX 5 ) XXXX XXXX  # XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXXXXXX 8 ) XXXX XXXX XXXX XXXX  XXXX 9 ) XXXX XXXX # XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXXXXXX # XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX  XXXX 14 XXXX XXXX XXXX XXXX # XXXX 15 ) XXXX XXXXXXXX XXXX # XXXX 16 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency 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 following items of information 's, any other adverse item of information, other than records of conviction of crime 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 reporting agency if the person knows or has reasonable causes to believe that the information is accurate.
Consumer complaint received 2020-07-10
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)

XXXX XXXX XXXX XXXX have wrongfully placed a collection account on my XXXX, XXXX and equifax credit bureaus.The collectors responded in CFPB complaint XXXX that I had electronically executed a lease in XX/XX/2017 resulting in the debt.I did not execute this lease nor give anyone permission to do so. 
I have attached an FTC report and affidavit along with the CFPB complaint.
Consumer complaint received 2023-02-01
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. REMOVE THE FRAUD ACCOUNTS ASAP!