davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AZ)

NOTE : THIS IS A FORMER COMPLAINT. I AM EDITING TO SUBMIT ONE MORE DOCUMENT THAT SHOWS THE DEPOSIT OF {$5400.00} INTO MY CHECKING ACCOUNT ON XX/XX/XXXX. 

Hello, I am having an issue with Chime bank not providing me documentation in regards to a deposit from my Chime Credit Card builder into my Chime checking account. I sent my first requests for documentation via the mobile app on XX/XX/XXXX and never got an answer. I then sent an email requesting a letter from Chime Bank on XX/XX/XXXX that verifies that I moved {$5400.00} from my Chime Credit card builder into my Chime checking account. I requested that the letter be on Chime letterhead for documentation purposes. I am in the process of obtaining a home loan, and the mortgage company is requiring that I provide documentation of all large deposits into my checking account. The issue with the Chime credit card builder statements is that they DO NOT show movements of my bank account funds into and out of the credit builder account. There is no way to get this information online or in the mobile app. Screen shots of a mobile app bank list are not acceptable documents for my mortgage company. For that reason, I requested a letter from Chime to verify that the Chime credit Builder is an account in my name and that I moved {$5400.00} out of the credit builder and INTO my Chime checking account. For reference I provided the XX/XX/XXXX statements for both the credit builder and the checking account. Note on my checking account statement, there was a deposit of {$1000.00} into my XXXX XXXX on XX/XX/XXXX. There is nothing on my credit builder statement that shows this deposit. The only thing the XXXX XXXX XXXX list are purchases I made with the credit builder card. I have spoken with 3 phone reps and one supervisor. None of the phone agents have the ability to provide me this letter. The supervisor helped me submit a request, but my support requests are being ignored by Chime. I have paid {$1500.00} already to start the homeloan process, and without this documentation the mortgage company can not verify the {$5400.00} deposit of funds from my credit builder into my Checking account on XX/XX/XXXX. The Chime app and phone reps I spoke with advised it normally takes 2 to 4 hours to get a response, but that it can take up to 24-48 hours. However, my first request was on Wednesday XX/XX/XXXX and no one is getting back to me. The fact that the phone reps can not provide a simple letter is frustrating.
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-12-18
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. (IL)

In XXXX I submitted a dispute to both XXXX XXXX XXXX, as well as Experian that an account showing on my credit report was not mine. I informed both agencies that the account on my report did not belong to me, and was an account due to fraudulent activity. XXXX XXXX XXXX acknowledged this as fraud and removed it from my XXXX  credit report, but it still remains on Experian as " customer disputed, it has been verified as belonging to customer ''. I provided an FTC identity theft report, as well as a police report documenting the account as fraud, as well as a utility bill showing that I was not, and had not ever lived at the address that was on file for the fraudulent account, along with, y current lease and lease at that time. Additionally, I provided XXXX XXXX XXXX with an affidavit, and again the account remains on my Experian credit report. The FTC has stated that once creditors and the bureaus have been notified of a fraudulent account and been provided the appropriate documentation that the account can not be reported
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or resolve the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NV)

My husband and I have a HELOC with US Bank. When we used it early last year, I set up an automatic payment through my online banking at another bank to pay {$500.00} a month, even though the amount of our payment was less than {$100.00}. In XXXX, 2021, I had major surgery and was in the hospital for 4 days and on pain meds for a while thereafter, so I was not paying a lot of attention to my finances. For some reason ( probably my fault ) the automatic payments stopped in XXXX, so I missed my XXXX payment. I realized it when I received my bill from US Bank on XX/XX/XXXX so I immediately reinstated my $ 500 monthly payments and paid the bill that day. ( I paid {$500.00} even though I only owed {$100.00}. ) On XX/XX/XXXX, I received a notice from the bank that my ability to draw on my line was suspended due to non-payment. ( The letter was dated XX/XX/XXXX, so it is entirely possible they had not received my payment. ) The issues I have are : ( 1 ) I attempted to call the bank in XXXX when I realized I missed a payment to explain what happened. I also attempted to call when I received the suspension notice. Each time I tried to call, I received a message " We are currently unable to take your call- please call back. '' There was NEVER any opportunity to leave a message or speak to a live person. 
( 2 ) At no point did I receive any notice from the bank that a payment was past due, even though they clearly have my address, phone number, and email address. Had I been notified, I would have paid the amount due immediately. I take exception to this treatment : never at any time have I ever missed a payment and I have always paid much more than the minimum amount. I am furious that the bank never afforded me the courtesy of reaching out to remind me that a payment was due or that I missed a payment, knowing that I am and always have been a good and reliable customer who has always paid on time.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2020-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

I have been banking with SunTrust for many years and on XX/XX/XXXX, I tried to log into my account to review my account balance and I was not able to gain access via online banking. I then visited my local SunTrust branch and was told that the bank had frozen and blocked the account. The bank representative explained that the bank was no longer allowing any transaction to be paid against the account. 

I then asked the bank representative how long will it take before the bank would be releasing the remaining funds of {$2700.00} and was given an estimate of about 15 days, which the representative said was the usual amount of time after an account is closed, before a check is mailed out for the outstanding balance. However, to this day ( XX/XX/XXXX ), I have not received my money and although I have tried several times to ask about it, I can not get the bank to confirm a release date for my money and they will not give a time line. Today, on XX/XX/XXXX, I even went back to my local branch and the representative I spoke with called SunTrust 's fraud division and informed me that the funds were being held " indefinitely. '' She said the department representative, who would not talk with me personally, did not offer a specific day, just indefinitely. 

I have not defrauded the bank in any way and I don't feel that I should not be given my money that the bank is holding. There is also nothing going through and I believe they can see that. I have given the bank sufficient time to ensure any transactions that I made against the account have cleared through the bank.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was reported 30 days late XX/XX/2018, due to being hospitalized. I simply could not make the payment before the statement closing date. I called in to inform the bank about this I got not resolve. 

I was also marked as 30 Days late XX/XX/2018 due to hardship. When I tried to apply for a payment solution/help prior to the reporting, I was denied.
Consumer complaint received 2019-02-15
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)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX {$7400.00} I have disputed this more than once ... it was settled ; yet Equifax will not remove ... 
Litigation may follow soon ...
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I purchased a new XXXX XXXX from a XXXX dealership in XXXX XXXX in XXXX. All payments were made on time. I moved to XXXX tx from XXXX Tx in XX/XX/XXXX and advised XXXX of the address change. I continued to received mailed bills at that address until XX/XX/XXXX at which time the bills stopped. On XX/XX/XXXX XXXX phoned my son who is also listed on the account, advising him the vehicle was subject to repossession. I immediately that day paid the full XXXX payments owed, late fees, and a service fee. I have tried to get the late fees waived which they say they have done. They advised they can not waive the {$3.00} service fee. They advised they have had and continue to have my current address ( XXXX tx ) and can not advise why the paper statements were stopped. They also can not advise why were not contacted when a payment was missed. On XX/XX/XXXX i sent a check to payoff the loan completely. I used the amount their system quoted me on XX/XX/XXXX which is good until XX/XX/XXXX. I expect they will ask for more. 
I believe XXXX did this deliberately in a fraudulent attempt to repossess the vehicle as it neared payoff. They gave no notice, and had my address for over 18 months, including every check for those payments with my current address. This seems very similar to the case in which CFPB fined XXXX $ XXXX for fraudulent repossession activities. All I want is my fees waived, my title free and clear, and the credit histories of me, my wife, and my son removed of al negative comments and those histories to reflect payment in full on time and ahead of schedule. On XX/XX/XXXX I mailed a letter to them requesting this as mail is the only method to contact their credit bureau XXXX department. I also want them to stop this practice As I believe it is a deliberate attempt to repossess vehicles from unsuspecting persons.
Consumer complaint received 2023-06-26
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. (OH)

there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -XXXX XXXX XXXX  # XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

To WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING IN MY FILE .THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM IDENTITY THEFT AND DID NOT MAKE THE CHANGE .I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION AND I ASLO HAVVE ENCLOSED COPIES OF FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2023-05-24
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. (ME)

I am a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. 

I respectfully request your assistance to have several trade lines removed from my credit profile. XXXX XXXX and XXXX XXXX, in behalf of XXXX XXXX is reporting a charged off account for me which were opened by a 3rd party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. 

I will lose my job if I dont have my security clearance restored. 

I am including my permanent address in Maine ( were my father lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. 

Please advise who I can call to resolve this. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I am a Santander credit holder. I made a payment to my account on a Thursday in the amount of {$450.00}. The account was made at a branch in cash but they refused to credit the account immediately as has been done repeatedly in the past. 

Instead, they didnt " apply '' the credit to the account until the following Tuesday and the available credit never reflected a credit of {$450.00}. 

I complained, asked customer service and the branch level to audit the account for my security at which time it was found that two online charges of {$500.00} were attempted ( declined ) one second apart.

I asked for the fraud department to investigate further and was told there was no fraud because the card declined the charge. All they did was reorder another card. 

There was apparently a breach on the card yet I feel the credit company is not doing enough to discover how. 

They have still not fully investigated what I believe to be the {$450.00} missing credit. 

This feels like an aggregious level of financial abuse because the company does not have any concern for it's cardholder feeling as though they've lost out on such an amount.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX  XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   {$1900.00} XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$970.00} XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX   {$240.00}
Consumer complaint received 2020-01-09
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: Experian Information Solutions Inc. (FL)

On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize Fields verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. Experian does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and Experian is not available to assist. Can you help me with my compliant against Experian and XXXX XXXX?